I think people are missing the point in trying to micro-manage every single accident, or cause of accident. Have a look here, the conditions that are so significant that they risk bankrupting the NHS are all ones that can be addressed by eating, drinking, and smoking less, and exercising more. By comparison all the accidents, including those of “idiots who go mountain climbing” only account for a few percent of the total, so there’s not much point in arguing about whether they count as self inflicted. Many people regard cyclists as looneys for running the gauntlet of the traffic, but the benefit they gain from exercise adds seven times as many life-years as they lose to traffic accidents and pollution put together. On the other hand there aren’t any health benefits at all to be gained from smoking.
People fret over the tiny risks that are outside their control, whilst ignoring the huge risks that they have the power to reduce. Like those who desert the railways for the much more dangerous roads after a train crash makes the headlines.