While I totally agree with you on the payments side, I still like to see the message being sent out that reckless has consequences outside my own little head. Even those family members can suffer from my reckless behaviour. Right now, in case of a self caused accident without precaution measures (like, no helmet) the insurance will shorten the payments yes, but the system also won't let me default on the treatments - social support will kick in. So I have both the support and the threat and I think it works fine like that.