8enotto, I tend to agree where your individual conduct is concerned, but we must also remember that different rules should apply when one is working for others. We often trust others to know and regulate what is and is not safe, and though at some level of course we're always free to refuse a dangerous job, it can be a big and expensive decision. Where safety laws are concerned, there's a tradeoff between the cost and the consequence. If the consequence of an event is fatal or bankrupting, an employer might well institute a rule that is expensive, inconvenient, or even odious to the majority of their employees.
The sort of general principle is that there are two sorts of laws: permissive and prohibitive. The words' connotations are a bit contrary to the laws, in that a permissive law is one that says basically "you may do these things, and anything else is illegal," while a prohibitive law says "you may not do these things, and anything else is legal." I think if we make the basic assumption that government has some consensual component, and that one of the things we bargain for is protection from certain kinds of harm, we need both sorts. In matters of civil rights and the like any laws should be prohibitive. We cannot foresee what free speech, for example, will entail, but we can largely foresee and forbid harmful speech, and the consequence of prior restraint is far worse than the consequence of immoderate expression, and the harm done by restraint is often immediate and cannot be mitigated. We forbid things we know, from experience, are harmful. In some other matters, such as land use and worker protection, permissive laws make sense. An unforeseen development can be permanent and harmful in unforeseen ways, and unprotected workers can die. The harm done by the absence of such restraints is often immediate and cannot be mitigated. We allow things we know, from experience, are not harmful.