Are YOU responsible for your safety or are the local authorities responsible? Should they enact laws to protect you if you won't?

I am responsible for me and my actions. I should be able choose to wear a seat beat or not.  My choice is not harming others. I should not have the choice to drink and drive because that can effect others safety. 

Building on a flood zone, I should be allowed but also required to  have flood insurance. It should be part of my property taxes. So it does not cost the taxpayers when it floods. 

I should be allowed to do what I want as long as I don't effect others.