re: Absolutely, completely 85% correct.
If everyone was in the 85 percent group as far as being responsible, a more libertarian society wouldn't be a problem. In almost every aspect of public policy, it's the few who can't handle their own choices that take the choice away from the rest of us. Retirement, education, auto safety, and many other issues are, rightly or wrongly, driven by those who would screw up if given more options. The foundation of the Nanny State.