"Life is uncertain and variable. Demanding that people make choices based on unknowable futures is a bit silly." And what about demanding that other people pick up your burden if the unknowable future impacts you negatively? It works both ways, you know.

You are 100% correct, life is uncertain and variable. And there is no way for anyone to fully anticipate the future with perfect accuracy. However, that right there is the most powerful reason that should be compelling individuals to be more careful and risk-averse. Especially when it comes to family, kids and health.