No one would dream of telling a skin cancer patient "Sorry, you spent too much time in the sun without sunscreen. That was stupid, so now we're just not going to treat you. You'll just have to deal with it."
During the summer heatwave we had a giant media campaign saying "a tan is skin damage, at least use sun cream you idiots" as people were putting themselves at completely unnecessary risk of skin cancer.
"husband' and 'wife' would be legally weightless terms like 'friend' and 'brother from another mother'. No special treatment or government benefits for either.
But that's off topic, I guess.
You. Stop making sense.
Condoms break, IUD's run out of steam or just fall out, hormonal pills are nullified by unforeseeable body chemistry/medicine, vasectomies and tubal ligations inexplicably reverse themselves...
Stored correctly [i.e. not in a wallet, in the light or hot places], used correctly before expiry date and such condoms will not break.
New high-copper IUDs are 99% effective, but if you don't want to leave it to good chance use a condom.
Hormonal pills are about 95% effective, depending on which is taken and prevent pregnancy in various ways. If you don't want to leave it to good chance or unforeseen circumstances, condoms.
Vasectomies are 99.8% effective, although it can take up to or more than 3 months for some people to definitely be able to have sex without condoms safely as the remaining sperm still has to be cleared. There is also a 1.1% chance on average that after 2 years a vasectomy will fail.
After a year tubal litigations no longer become near-99% effective, probably for the same reason some vasectomies fail as well, as the body tries and can be successful in fully repairing damage done to the body.
Abstinence is as effective as your will, and even then there's a small chance you're going to get impregnated by God. If unsure, wear a condom at all times to avoid immaculate conception.
Here's the thing. If you break your arm, even doing something really stupid and risky, we don't just say "hey, you're stupid." We do what's best for you and set your arm.
[If you were injured because of something stupid, doctors make sure you know it was stupid. I know from friends and myself, rather humorously. And painfully].
But of course, even with that in account, as well as with the skin damage issue - you wouldn't be denied treatment, even if it were the second or even third time you were sledding down an icy hill on a runway of plastic bags and dislocated both of your feet. That one wasn't me fortunately.
You take responsibility of your actions and you get treatment in a working world.