There should be different levels of coverage for the ones who want to engauge in dangerous behavior.
I worked in Singapore in the early 70s. The American workers for some of the compines were not allowed to ride or own motorcycles. Before I got there, they had had a lot of employees injured on motorcycles, so they banned them for their employees.
Where I work, Jefferson School District, we are offered 3 levels of coverage, or no coverage, we choose the one we want to pay for.
I pay a higher premium to be covered.