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The belief efforts to protect people from calamity will only lead to them being more careless, and bringing on more calamity. [This is a] fallacy because it (a) assumes people can adjust personal risk to replicate an [incomparable] situation, and (b) it confusing risk-taking and risky behavior. "Risk-taking" is a neutral term that includes anything that increases risk in some way, such as operating a machine at a higher speed. This usually is done to get some other benefit. "Risky behavior" is foolish, feckless, or sloppy behavior that has no intrinsic utility to [the person] engaging in it.
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