Also, our expenditures on safety and disaster preparedness would probably increase exponentially, and our risk-taking would also decrease dramatically.

This depends to an extent on the nature of the immortalizing technology. I agree with you if the technology doesn't permit backups, but I disagree with you if backups can be done (at least with respect to the risk of local death). In particular an uploading-based technology, with an easy way to make backups, might result in the average person taking more risks (at least risks of one copy being killed - but not the whole ensemble of backups) than they do now.