Sorry, Bluebelle, I disagree. Upbringing does play a small part, but there is plenty of medical and psychological evidence to show that young minds, male or femail, are not fully mature until their mid-twenties and in that adolescent phase the part of the mind that has not matured is their awareness of risk and that the most sensible of teenagers can make vey bad decisions by not being aware of danger.
lets face it Hugh Mosely made just the kind of mistake this lad made and he was neither a teenager or unaware of the dangers - though, I do suspect that he had health insurance.
I am by nature - and upbringing -sensible and cautious, but I can look back to my teenage years and see several occasions when I quite unthinkingly did things that it makes my blood run cold to think back to.