The reason is that I believe there is value in establishing the norm that, whenever possible, people pay their own costs, as opposed to demanding that all of us share in a risk pool.
Now, this is obviously a non-falsifiable assertion on my part, since such value is not quantifiable. But the whole point of non-falsifiablity is that . . . wait for it . . . you cannot falsify it. It’s simply an assertion, a postulate just as its opposite number is.
You mention “death,” as a sort of a trump card (no pun intended). But death is preferable to many worse outcomes. I’d rather die, myself, than experience a whole host of other fates. How can you PROVE this is a poor choice on my part?