The belief efforts to protect people from calamity will only lead to them being more careless, and bringing on more calamity.
This is a fallacy because it (a) assumes people can adjust personal risk to replicate an incomparable situation, and (
b) it confusing risk-taking and risky behavior. "Risk-taking" is a neutral term that includes anything that increases risk in some way, such as operating a machine at a higher
speed. This usually is done to
get some other benefit. "Risky behavior" is foolish, feckless, or
sloppy behavior that has no intrinsic utility to the person engaging in it.