It's unnecessarily more risky when you do stupid things. You can't use a little risk to justify arbitrarily more risk, you have to make an argument based on the value produced.
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.
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.
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.