No no, it's because you're all in the same boat...
It's your choice to bring a life jacket or not. You know that you risk drowning if you don't bring one, but you also know that the risk is low for where you are going, are allergic to the material that PFDs (personal floatation devices) are made of, think you know better because you can swim, or have some other ideological reason for not wearing one.
But on this day, your little crew encounter some unexpected rapids that cause your boat to capsize. One person was a guide who knows how to treat this, and quickly gets as many people as they can onto the flipped boat. Despite this, there isn't enough room on the upside down boat for everyone to fit, so some people are left grabbing the edges of the boat.
Those who can hold on survive, as do many with life vests and those on the boat. Unfortunately, since the boat was so small and the rapids so strong, some were swept away - some with life vests and others without - never to be seen again. The rapids eventually calm down and you are able to flip the boat right-side up again. Now, you are joined by another boat coming in from another river that didn't experience the same rapids as you did.
Now, a few of the life jacket wearers are pointing fingers saying that those who didn't wear life jackets "effectively killed" those who wore life jackets but didn't make it. Since by not wearing lifejackets, they "took up too much room" on the boat and weren't contributing their fair share for the greater good and survival of everyone. The other side counters by reasoning that this is theory-crafting much like how pundits argue that Jack could have fit onto the wooden plank alongside Rose from Titanic if they shifted their bodies in the right way. Even though the acclaimed director JAMES CAMERON says that Jack was going to die anyways.
When in reality, no one was to blame except for the natural cause that was the rapids. All the while, life jacket manufacturers line their pockets with money from the increased sale of life jackets.
Really, this analogy is too much of a stretch to be meaningful.