I think you answered your own question by admitting that you no longer used the device recklessly after that event. Clearly money was not the factor in helping

I think you answered your own question by admitting that you no longer used the device recklessly after that event. Clearly money was not the factor in helping you learn the lesson. Our bodies have a built-in mechanism to discourage recklessness, which is pain. That is the cost of recklessness, and all adding financial costs does is make people who genuinely do need medical attention think twice about getting it.