That is the horns of a false dilemma. Why should you be allowed to eat things that might cost me money? Or skydive? Or any number of things. No should be forced to care for other people under ANY circumstance. That does not imply no responsibility - that is up to each person. But it does imply no coerced responsibility.
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I think I understnd. So if someone willingly takes a drug and goes into a coma we should just let that person die. Is that what you are saying? What about people who are hit by an automobile and is not insured? Do we let that person die also? People who skydive must have insurance or the company sponsoring the skydive must be insured. These are real things that happen in the world. I am not trying to argue only to understand your point of view. Thanks.