This is of course very dangerous territory because you have to define 'reckless', should i be denied treatment because i never bother looking left-right when crossing the road, for example, or someone who drove to work on very icy roads. I also feel like it is our responsibility as a society to care for those in trouble, and i think the pain and suffering is enough punishment for the reckless, you have a liver pump and that's fucking miserable, you don't need to fuck them on medical fees too.