Libertarians are not self-sacrificing people who put the rights and freedom of others above their own well being. If we have the right to tell others how to live and spend, they have equal right to do the same to us. It is might makes right. The powerful will dominate the weak. Libertarians realize that might makes right is a disastrous rule for life.
True libertarians respect the rights of everyone to make their own choices in life.
Libertarians do not believe an elite ruling class should control our lives. As long as a person does not initiate force and violence against others, libertarians believe that person should be free to make his own choices, even if the risks that person takes appear stupid to others. Everyone should be free to climb mountains, drive race cars, and not wear seat belts, regardless of how others view the wisdom of those choices. Others should not be limited to taking the risks we find acceptable. We all risk our lives everyday to do the things we want to do.