By that line of reasoning, I have a choice of whether or not to hand over my wallet when someone mugs me -- I've just decided that the tradeoff of getting a kni

By that line of reasoning, I have a choice of whether or not to hand over my wallet when someone mugs me -- I've just decided that the tradeoff of getting a knife in my stomach is not worth whatever money is being stolen from me. What you're proposing is an interesting philosophical argument, but not a particularly useful way to think when building a society. We're trying to limit Hobson's Choices, even if we can't completely eliminate them all the time.