Even if it is bad planning, it's still a good illustration of why it's a bad system. If I step in a pothole because I was looking at my phone, it's true that I should have been looking where I was going, but the city should also fill the pothole.
Tbh in saner countries with public healthcare, even if you do something utterly stupid & injure yourself you will still receive medical care. The point of the system is that everyone can do stupid things or injure themselves another way & we never know when that's gonna happen.
It goes along with the whole "civilisation started when one human helped bind and heal the broken femur of another human", a quote which may or may not be able to be attributed to Margaret Mead.
The only thing that's usually considered otherwise is long-term stupid decisions such as smoking, etc.
