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Consequences for reckless and irresponsible behaviour

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I'm generalising a bit here; but...

 

Should people be allowed to suffer the negative consequences of their own (by their own free will) reckless and irresponsible behaviour?

 

Or, should we divert resources and money away from people who are being responsible, in order to bail out people who are now in dire straits as a result of their own reckless and irresponsible behaviour?

 

Responsibleness clearly has it's own inherent benefits; but isn't it good to encourage and reward responsible behaviour, rather than discourage it? As opposed to punish it, by giving more resources to those who are reckless?

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the problem is that you need to demonstrate that people knew their behaviour was responsible and reckless at the time they did it and that they had the necessary skills, resources and opportunities to be able to meaningfully enact the alternative responsible and non-reckless behavoiur

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