Have you spoken to any people in the situations I mention? Perhaps you'd like to explain your point of view to them. I have, much more often than I would have preferred to.
There is considered, reasonable, risk-taking. We all understand that.
And there is idiocy: behaviour so likely to kill or injure, and to cause others to take unreasonable risk themselves, and cause them misery, and hurt the public purse, that it is quite beyond the bounds of reasonableness.