The problem is that somebody has to pay for the expenses. And it doesn't seem fair that others have to pay for people who act recklessly.

When people are taking reasonable precautions then it is reasonable that they shouldn't have to pay. But when someone acts with total disregard for the consequences to others, then it seems reasonable that they should have to pay.

Sadly, apparently paying is optional, so we can probably assume that anyone that has already shown total disregard for others, is not going to pay.

Get out your wallets...