Ah but here's the thing: for things that affect me alone, perhaps just let me do it. An alternative, that I believe could be effective, is a bond that is paid into and managed in a similar way as 401k plans are.
E.g. say I want to try heroin. I furnish the $250k into the fund, get to try it, and 4 y later I get my money back if I pass a heroin drug test.
E.g. say I want to try heroin. I furnish the $250k into the fund, get to try it, and 4 y later I get my money back if I pass a heroin drug test.