>The only exception I can think of is the young, who think they are immortal.
>
>/edit/ Which is why we have socialized police forces and fire departments: if it's optional, those who opt out actually make it worse for everybody else too.

Yes, I agree with that. The recent discussion about vaccination comes to mind. Although I respect the right of individuals to decide against it, they are in a sense freeloading on the vaccinations of others.