IO, you've got it wrong again. Where in the PPL syllabus is the student taught about 'explaining that the risks in the flight for your passengers are way beyond what they would otherwise find acceptable'? Ditto for parachute aircraft, charity joy rides, etc...
Aside from that, if the State provides healthcare, why should the taxpayer put right the broken bones etc from sporting accidents..? Should those who participate in dangerous sports not, at least, be required to self-insure for their healthcare?