Well, I guess there's a kind of bizarre logic in being allowed to send your family through the windshield if you want, as long as you pay for the ambulance, the ER and every minute of sewing them up again afterwards yourself... Justifying, quantifying and paying for the trauma to everybody else who witnessed it, friends, co-workers and family is a bit harder.

Sorry to be facetious, but it's really hard for me to get my mind around the idea that society as a whole somehow does not suffer and therefore should not care about or try to prevent bad things happening to individuals.