So, assume we agree that if you don't do everything possible to prevent injury or becoming a vegetable, that society should not shoulder any financial responsibility.
We'll start with requiring helmets/seat belts. Because, when MY tax dollars pay for your hospital bills because you didn't wear your Helmet or seatbelt it is not ok. The law is, therefore, justified. But, is this enough?
Statistically, motorcycle riders in general are more prone to injury and vegetable-like aftermath than auto drivers. Perhaps, in order to save society medical bill money, we should also ban motorcycles? Because, when MY tax dollars pay for your hospital bill because you decided to ride a motorcycle instead of a much safer auto, it is not ok. The law is, therefore, justified. Is this enough?
Statistically, auto drivers in general are more prone to injury and vegetable-like aftermath than users of public transportation. Perhaps in order to save society medical bill money, we should also ban automobiles? Because, when MY tax dollars pay for your hospital bill because you decided to drive your own car instead of using much safer public transportation, it is not ok. The law is, therefore, justified. Is this enough?
We can progressively apply the same metric to a number of general populace unnecessary items, such as boats, bicycles, skateboards, rollerblades, skis, snowboards, ATVs, airplanes, gliders, swimming pools, and the 4 wheel red wagon. All in due time, of course.
The progression and expansion of laws is an extension of one part of society telling another how the right way to live is. Helmet laws, seatbelt laws, infant car seat laws, etc., were wrong in that it curtails freedom in an arbitrary way dictated by a small portion of the populace. In all these cases, commerce and government both benefited by increased income at taxpayer expense, either direct, or indirect, by the passage of these laws. The government further benefits as it limits the number of lost taxpayers, looks as though they "care" about joe average for political advantage, and increases revenue from penalties garnered from infractions. It also instills the "government-knows-better than-the-individual" attitude, and increases the number of people who lean towards "dependence" on government dictates/guidance, in a freedom curtailing/incremental elimination spiral.
FYI. I wear a full helmet 99.9% of the time. (I'll drive around the block without one to listen to the machine's sounds for diagnosis purposes.) It is California law that I must wear a helmet with my flip flops, can't be barefoot
(just kidding about me wearing flip-flops).
Having said that, I would wear a helmet and use seat belts, as appropriate, even if there weren't laws requiring me to do so. I think it improves the survival and quality of life odds, so I can pay taxes far into the future.

Cheers,