* Getting convicted for an offense with "mandatory minimum" jail time - e.g. dealing drugs to minors.
* Driving drunk, crashing and getting fully paralyzed - 'coz "driving drunk" is a choice.
* Having unprotected sex and living with HIV - for the rest of your days.
* Getting college/higher education, on a student loan, in a field that does not/will not pay at a high enough rate to payback the loan - good luck discharging that.
* Doing any high-risk physical activity with a >50% chance of serious bodily harm/injury. (Death is OK, by this metric!)
... logically refute all of the above and I'll give you the remaining 7 :P