These types people always talk as if they're immune to sudden, life-changing events. It's all fun and games until some random a-hole hits you while driving drunk and makes you permanently disabled. Maybe you're unlucky and have your entire city/neighbourhood burn down from an uncontrolled wildfire.

I know this type of scary talk. It also comes up when people talk about assisted suicide. Some people on the fringe believe it would be a good option for addicts, the homeless, etc.

They believe it's a rational standpoint. In reality they ignore the consequence this approach would have for our society on a psychological level.