There is a certain amount of inherent risk that we have decided we are willing to live with as a cost of living. But risk can be reduced through policy.
To take the everyday example of driving, we have:
--Regulations about automobile safety;
--One specific example: Regulations that mandate the inclusion of seatbelts in automobile design and laws regarding their actual use by drivers and passengers;
--Another example: Laws mandating the inclusion of airbags in automobile design;
--Laws about obtaining regular safety and emissions inspections;
--Laws about driver licensure;
--Laws about obeying traffic signals;
--Laws against excessive speeding;
--Laws against drunk driving;
--In some jurisdictions, laws about cell-phone usage and distracted driving;
--etc. etc.
For the most part, these laws are not really controversial, broadly accepted across the political spectrum by Republicans and Democrats alike.
If we were to get rid of these laws, and the risk of driving would go up, more injuries would occur, and in the end we would all need to pay higher insurance premiums no matter how much care we take on an individual basis when driving.
Higher premiums in turn would price more individuals out of the auto insurance market, leading to more uninsured and underinsured drivers and therefore even higher premiums on those with the ability to afford auto insurance.
Even in a hypothetical universe where all laws and regulations regarding autos didn't exist: excessive speeding, drunk driving, etc. would still be morally indefensible because of the excess risk such activities place upon others who did not consent to reckless behavior. In addition to just being plain stupid, because it could get you killed.
So I (really, society) actually can decide for you what is acceptable risk in situations where your own recklessness places other at harm, and where whatever benefits such recklessness brings you are outweighed by the costs.
tl;dr -- We live in a society and taking caution to protect both ourselves and others is cash money.