You meant "you wouldn't approve" rather than "you wouldn't understand".
Positioned correctly, it isn't all that socially reprehensible to state the sentiment that you don't believe you should pay for people who drive their motorcycle without helmets, people who self-administer addictive and destructive drugs, people who engage in unprotected sex with prostitutes or unprotected casual sex with strangers, and people who go climbing without using all of the safety equipment they could.
You don't really even need to get into whether you hold human life sacred, etc., to get that argument across. It's mostly just an economic argument, you believe yourself to be sensible and don't want to pay for people who aren't.
The ironic thing about this is that it translates to "I don't want to pay for the self-inflicted downfall of the people who exercise the libertarian rights I deeply believe they should have."
OK, not a bad position as far as it goes. Now, tell me how we should judge each case, once these people present themselves for medical care, and what we should do if they don't meet the standard.