And I have a hell of a lot more sympathy for the person who was careful and bad things happened anyway vs someone who didn't take care.
At the very highest level, I mostly agree with you. But when you get below a shallow statement about it, it can get a lot more complicated. Realistically, I'm also primed by having been an actuary for 25+ years and actually having made a living out of managing, mitigating, and avoiding risk.
Some risks are easily foreseeable, and it's reasonable to expect that people should take actions to minimize their own risk exposure. Like don't leave exposed wires out in the open right next to highly flammable drapes, or don't store the rat poison on the counter right next to the similarly shaped container of powdered non-dairy creamer. To me, these mostly fall into the category of "Darwin is Real", and my sympathy is limited.
Other risks are foreseeable and also have negative consequences for both the actor and others around them, and in those cases it's reasonable to see that as a risk they're obligated to avoid. Like not driving under the influence of alcohol or other drugs. I have zero sympathy for these. For some I have whatever the polar opposite of sympathy is.
Some risks are not particularly foreseeable, and there's no reasonable way to avoid those risks or even to minimize them - that's where insurance and similar financial structures come into play. For the most part, nobody can foresee that they're going to get cancer, or that a piano is going to fall on them from a five story building, or that some idiot on their phone is going to pull out of a parking lot and ram them while they're minding their own business driving down the road.
But there are also risks that are reasonably foreseeable, but cannot be reasonably avoided or minimized... and sometimes the cost to mitigate those risks is too high. Those get a lot trickier. And sure, at the very highest level "don't have kids unless you can afford them" seems like good advice, but it's rarely as cut and dried as you make it seem. Perhaps they could afford the kids when they had them... and then covid broke the economy and they lost their income along with the life insurance that their employer provided. What do you expect them to do? Kill the kids? Give up their ten year old to an orphanage?
Different types of risks are best managed in different ways. Some are best managed by pooling the risk and spreading the impact of isolated risks across a large number of people. Others are best managed by exclusionary approaches that minimize moral hazard. Some are best managed by actively punishing people who voluntarily partake in risky activities, or by waiving liability for everyone else so that the individual is solely responsible for their own exposure.
Good risk management strategies use multiple approaches that are fit-to-purpose and efficient. And even so, there's still likely to be just plain old bad luck sometimes, and charity has value too.