but why should everybody in society be
asked to pay for one individual's stubborn streak or stupidity?


Why indeed?
This is typical liberal claptrap. They insist that the government must bail out
every stupid person who gets hurt or poor, then they bitch about it when
everyone does not follow their idea of what is safe or prudent.


This is the single biggist fear I have about socialized medicine. Once it
becomes someone else's money we may be barred from doing anything that is in
the slightest bit dangerous, determined by people who think going to the movies
is about as adventuresome as we should be.