Smoking? That's your responsibility. The fine print on the pack even warns you that it could kill you.

Alcohol? Also your responsibility. It might not be one of the top direct causes of death, but it can be a factor.

Gambling? That's on you too. They even tell you about the house edge. The stories of luck and bad luck are just part of the innocent fun that comes with that responsibility.

It's all about personal responsibility. You can use any analogy you want, as long as you use common sense and understand each situation clearly. Any kind of excess is bad.