They are more likely to obey the rules, protecting their health, and not engaging in risky behaviors such as smoking or driving without a seat belt.

他们更容易遵守规则，保护他们的健康，不要从事高风险行为，如吸烟或不系安全带驾驶。

youdao

Only 2% of females and 3% of males admitted to having alcohol play a part in their risky driving behaviors.

CNN: Teen girls take more risks behind wheel, study finds

Those willing to gamble on being without coverage might also be willing to take more risks in other areas of life such as driving without seatbelts, smoking, or other risky behaviors.

FORBES: Can Markets Work in Medicine?