1. I'm climbing a tree when I ought not to and fall and break my legs. I'm a poor construction worker which means I am now out of work.
2. I'm climbing a tree when I ought not to and fall and break my legs. I'm a wealthy programmer and just keep on going to work since my hands and brain still work fine.
Fair? Or should the tree break my hands and give me a concussion on the way down in order to level the playing field?