I know the "Darwin Awards" are intended as a joke, but consider a purely animalistic / mathematical perspective: the individual doesn't matter to Mother Nature. Most species produce lots of offspring simply to overcome the high odds of dying before reproducing. Those odds are mostly external from predators and injury, and also include internal causes like illness, "unfitness" (in the Darwinian sense), and any kind of defect. Some calculated risk-taking is useful, but poor calculation skills (or excessive bravado despite calculation) lead to the "Darwin Awards" concept. Maybe, in the same vein, some amount of fear / depression / unhappiness is useful as a moderating influence on behavior - as often stated, courage is not the absence of fear, it is persistence despite fear - but too much of those emotions renders the individual less useful, and enough of those emotions to cause self-damage or self-killing is a trait that will self-cull from the gene pool.
Is it, then, worthwhile from a purely economical point to try to baby-proof the world, or would it be more practical to emphasize recognition and identification of people with problems for targeted help? Not to mention impinging on everybody for the safety of the few (a hot reaction in so many posts here). This has some analogy to the issue of "playground safety" meaning that children get no exercise and learn no skills because the play area must be totally safe for all activities and ability levels. At what point does making the world totally safe mean nobody can have a cooking knife?