Nothing selfish about it.
Its called personal responsibility.

Works for me, as long as the people who
knowingly and deliberately disregard, PFD, helmets, and seat belts remember
that nobody else is "responsible" to go looking for their sorry carcass and
society at large is not "responsible" for keeping them alive after insurance
and personal fortunes are exhausted.

OOPS! What's this? The guy who cracks his head open because he wasn't wearing a
helmet still expects the public ambulance to come and try to save him?
The guy who drowns for lack of a PFD still expects publicly funded SAR to
search for his body, and still expects publicly funded social security to
provide widows and orphans benefits to his widow and minor children?

And Oops! Everybody belonging to the same health insurance plan is indirectly
footing the increased bill?

So, what happened to "personal responsibility"?