Sorry, but is this a good example? There are people that cannot afford insulin. THAT is a problem. But the fact that he took a risk, for fun, and suffered the

Sorry, but is this a good example? There are people that cannot afford insulin. THAT is a problem. But the fact that he took a risk, for fun, and suffered the consequences, rather than having everyone paying for it? That sounds a bit reasonable... Note: important that the risk is voluntary, optional and recreational rather than professional. Why would the collective bear the costs, in those circumstances? Why is that fair?