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mattnewport comments on Beware Trivial Inconveniences - Less Wrong
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I wouldn't classify that as abuse, but I can see how some would.
Yes, that seems like the biggest concern.
I'm not sure. There was a story a little while ago that Singapore was considering moves in this direction but it subsequently turned out to be inaccurate.
Your insurance idea is interesting, though it also sounds open to potential abuse.
Two possibilities:
a) someone rationally chooses such an action because they have no better options.
b) someone is mentally ill, depressed, etc. and drastically undervalues the future worth of their life.
I would consider the fact that a) can happen to be indicative of something fundamentally broken in the society in which it occurs -- there should be better options. Of course, simply disallowing the deal doesn't necessarily address that, merely sweeps it under the rug.
I would consider b) abuse. I consider paternalism to carry with it an intrinsic evil, but there are greater evils, and the loss of a human life because of a potentially temporary confusion is one of them
Even if another human life is saved in the process? That is after all the context here.