Driving cars, trucks, motorcycles. Vespa scooters, hey, RAZOR scooters even. Skiing, snowboarding, ice skating, rollerblading. Riding horses. Riding all but stationary bicycles in a gym. And maybe that should be medically monitored, eh? Playing soccer, football, baseball, basketball, any other ball you can name. Walking on city streets and country roads. Taking baths or showers in any unpadded stall or tub. Stairs. Owning cats and dogs, turtles & snakes. How 'bout rats & gerbils? Cooking. Cutting up food with knives. Drinking anything but filtered water. Hunting, fishing, hell, I know someone who got hurt BIRD watching! Not to mention most forms of drug use and ALL forms of SEX! Now that would just about make the world "safe" for insurance companies, wouldn't it?
Like I said up-thread, you really want your life choices determined by ACTUARIES? What the fruit's the point of living AT ALL if everything has to be "child-proofed" and santized for supposedly autonomous adults? Are you really willing to surrender your free will for "lower premiums?"
There are days one could think seriously about T. Koscynski's cabin . . .