When a race car driver has a bad crash, well there he is, pick him up take him to the ER etc.
Football player has a bad tackle injury, team mates come to his rescue ASAP, load him on a gurney and off to the ER.
When mountain climbers do something extremely dangerous and suffer from it, out come oceans of good people to search and rescue them endangering many many peoples lives, helicopters flying in dangerous conditions to rescue the climber in life threatening conditios.
It would seem to me at least that the consequences of a persons actions, prior to them undertaking such dangerous things should be of prime concern for them for OTHER people.
IF the only person to be hurt is YOU, then do whatever you wish, have at it.
Nascar crashes, have insurance to cover the driver, football players as well.
A person with a pick axe and equipment for mountain climbing has no such insurance that I know or, IF IF they did, I suspect it would be QUITE expensive. IF IF that would be a requirement that they have such insurance, that would make it most likely prohibitive, IF IF a person were using their heads and pocketbooks as well.
Hmmm.
.