Are the children going to feel a lot better if father is dead because he decided to cross the red light or or someone else did instead. They might, but they still won't have a father. So I'll go for less egregious, but I am not sure about the "far" part.

Is ambulance ride going to cost less because the person did it to the themselves or it was someone else' fault? I don't think it will.

Would you say that people shouldn't wear seatbelts, after all, they are just hurting themselves mostly? How is this different?