I think the point was more about holding people accountable for their poor judgment instead of placing the cost on everyone else. I find much merit in that point of view. If people do not think they will have to pay the price or bear the burden for their decisions, they will not learn to make better ones.

On the flip side, implementing any kind of policy or law which could enforce that would be difficult at best. Where is the line drawn between bad judgement and accidents, especially when someone was not aware of all aspects of the situation facing them, and who will make that judgement. There are many well intentioned policies and laws on the books that are useless because they can't be implemented properly.

So we continue to bail people out of their own mistakes, and we also rescue people who are in dire need and not in a bad situation of their own making. In the end, I think we come out on top.