If I choose to be stupid, that's my right. One could argue that if I was injured because I didn't wear my seatbelt that society might incur some kind of expense. Yes, it might happen. But freedom has a price. Our soldiers have gone to war and fought and died so that we can remain free.
Freedom always has a cost.
But it's worth the price. There's no doubt that when people are free that bad things are going to happen to some people. If people are allowed to make choices then some people will make bad choices. When you have freedom and liberty, you have the freedom and liberty to screw up. You have the freedom to destroy your life.