The price of freedom is risk.
The price of safety is conformity, restriction, and repression.
You can bank on it. Our leaders certainly have.
You can pad yourself until the world can’t hurt you no matter what happens, but the compromise is you lose some sense of the world with every layer you put between you and it. I’d rather feel the wind in my hair.
With regard to insurance companies, they should simply adjust rates and coverage until the bottom line reflects the actuarial reality.
With regard to law, the government should never, in their private lives, be telling the citizens how to dress, what precautions they must take when pursuing any particular activity, or trying to justify the forgoing by implementing programs of any kind. If the government is aware that certain types of behavior present specific risks, then they have exactly one acceptable tool available: education. Which I do encourage them to use.