So again I ask, what is the solution?

We can all agree that some people are stupid, some people will buy a 4WD vehicle and get into trouble with it, that some people are stupid enough to need to be rescued multiple times and so on and so forth. I have no doubt that given enough time we could find literally thousands of occasions where people doing stupid things have resulted in disaster, but how do we fix things?

I'd suggest that anyone who thinks that it's not society's responsibility to help those in need, or that are tired of paying for things that they don't agree with should start by reading up on the concept of "the social contract".

"the more fortunate need the beggar as the beggar needs the the more fortunate..."
Some Buddhist

JohnE