It's all down to the individual I'm afraid. Some folks just need to learn the hard way for themselves. I've had private students that I'd toss the keys to a $5m ship and guys with 20 years commercial experience that I wouldn't let wash the screens. All we can do as a community is to try and make our experience pubic and hopefully those that are reachable become educated. As a private pilot you'll pretty much do anything to go flying. Most of the commercial guys that have some scope to reject missions without reprisals, will always veer with the safety card and decline flights when the SMS score is off the charts. It's not done to inconvenience the customers, it's done because it's the right thing to do. Don't be a hero, just say no. There's always tomorrow - just make sure you keep the option open.