long term implications of a living human being is death. the live human being will create pollution, will kill a couple of ants, might become a murder, a liar. Life is risky.
Not sure what you are referring to by "stupid things" though.
But that would be a stupid and unnecessary risk, so obviously there is more to the question of regulation than what risks people feel like they want to take.
What is the solution in this case ? All the situations here are riskier.
Many people die after they wake up and leave their room. So its risky to leave their room.
You are not a genius.
Individuals on the other hand don't live forever, the risk of death is 100% for everyone, so individual risk isn't something we need to get uptight about.