Slightly off-topic, but not all that much.
When I'm King of the World (KotW) (TM) (c) (not really), people engaging in risky behavior will be required to purchase Risky Behavior Insurance. Wanna get rescued, have the paramedics come, get treated at the ER after something goes wrong? Insurance covers it. Otherwise you either stay there and die or pay the bill.
Pumpkin Hurling Insurance? Perhaps not too expensive.
Skydiving Insurance? Maybe a bit more.
Sailing across the ocean when you don't know what you're doing? Pricey!
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