> There's a pretty good argument that since the society as a whole ends up bearing the cost of these consequences, then we absolutely should ban or at least discourage such behaviors.
And there are even better arguments against it.
People should pay for the costs of their negative externalities, not for internalities, and not for using services provided because of positive externalities.
> Just that avoiding some high-risk behaviors doesn't mean living a meaningless, boring life.
It really depends on the individual and their built in preferences. For some people a low-risk lifestyle is painfully boring. Others like being boring, it's their choice.
The problem is that boring people think they have a right to add additional costs to those who feel differently.