it does, because the chances of you needing expensive medical care after using the sketchy vehicle go up

This is obtuse. The intent of expressing that if you are paying someone else for a service, it predisposes them to demand a higher price if you're asking them to take additional risks if they have any negotiating power at all was pretty obvious.

A better analogy would be to buy a '60s sports car that predates nearly all modern safety tech at auction for $$$$$$ instead of just buying a 2024 Corolla with modern safety features.

Incorrect.

When somebody else takes a risk for you, you have to pay them more than if they are not taking a risk. We pay soldiers more when they are at war than when they are not. People who want to raise money by selling bonds have to pay a higher interest rate if their credit is worse. Etc.

Prostitutes would consider unprotected sex more risky, and thus charge more.