Well, sure. But people don't always do what they wish they'd do, or believe they should do. And I know people who will adamantly defend the position that, somehow, not taking an action that results in a consequence is fundamentally different from taking an action that results in the same consequence.

And of course they accept risks to their own life. Driving, for example - you can't get money without it, you can't really live without money, therefore driving has an ω-tier expected utility. A teenager who decides to go drinking with his friends has decided that he'd rather enjoy the night than keep 10% of his life or whatever. The conclusions don't change here.