I personally bear more risk crossing the roads during my stay here. Would you advise to stop doing so, to reduce the potential burden on the medical services?

I personally bear more risk crossing the roads during my stay here. Would you advise to stop doing so, to reduce the potential burden on the medical services? As it is, I have private medical insurance, they're a business, I pay them, they provision their services, and provide that service. As such, to my eye, even if I was taking significant risk, which I am not, it would not be an ethical matter, and even this is without any consideration to the benefits of writing about what's going on.