We have our rights and personal freedom to do risky things, but I think one of the issues is this: What is society's (read: taxpayer's), tolerance for ultimately having to pay for another person's carelessness/stupidity/bad luck...including diving accidents?
To illustrate my point....
In most Canadian provinces, we pay a small monthly fee for our health care. Assuming the majority of people within the system are healthy, we're not a drain on the health resources, relative to what we pay.
Yeah I see your point. But it's difficult to bring our healthcare system into the picture. For one, private employers/"HMOs", etc. can also say that stupid acts raise their rates. As well, it's very difficult to say "you can't dive stupidly or we won't treat you" and then treat someone who is voluntarily obese. An argument is always made that smokers should not be covered by healthcare. What about drinkers, couch potatoes, and everyone else who doesn't lead a healthy, safe life? On a tangent, it has been argued that seat belt laws are good because it saves on healthcare--I dunno, but I think a dead person drains the healthcare system a lot less than someone seriously injured because a seat belt saved his life. I like your ideas, but not sure how to bring Canadian healthcare into the equation. Are you sure the cost per person is really $100/month? I've always been under the impression that we pay 1/3 more income taxes than Americans, a lot of which goes to healthcare--maybe that's fed. money being divided among the provinces/territories?