>Should we apply the same sort of "stupid X law" to people who drink alcohol or drive motorcycles or play rugby?
Yes, precisely. Keep chopping down at these factors until all that's practically left is private healthcare -- that's a feature not a bug. It's enough that I have to pay the bill to scrape the blood off the street when a motorcycle is crashed, not interested in paying someone elses motorcycle related health premiums on top of that (I've gotten enough motorcycle injuries while carrying my own private healthcare :) )
>This is one of the moral hazards of a socialized medical system.
As you say with public healthcare the effect (you say temptation) is to socialize your health related losses while privatizing the gains you reap.