I'm talking about the situations like where Mr. Idiot Druggie decides to overdose and pass out while his pet cobra is sitting in his lap. Not a whole lot of rescuers are going to jump in there to save him without taking precautions to protect themselves first. Idiots who drive their cars into flooded rivers and get stranded (you see them on TV all the time!) are kind of like that druggie/cobra guy. If a rescuers life ends up being in danger, it's because the rescuer decided that's what they wanted to do. Good for them. But it's their choice. The stranded idiot didn't force them to do anything.