As you say, if we use the number 1, then we shouldn't wear seatbelts, get fire insurance, or eat healthy to avoid getting cancer, since all of those can be classified as Pascal's Muggings.

And in fact, it has taken lots of pushing to make all of those things common enough that we can no longer say that no one does them. (In fact, looking back at hte 90s and early 2000s, it feels like wearing one's seatbelt at all times was pretty contrarian, where I live. This is only changing thanks to intense advertising campaigns.)