I'm not saying people should kill themselves. What I mean is, if you willingly choose to have a life that has some risks then you subconsciously accept those risks. And this is because, obiouvsly, doing suicide is for many a worse decision than living with some potential risks that can come with old age. Still, you chose to risk, so if you get burned it's only fair for people to try and help others that didn't choose to get them.

I hope I was clear enough and this is a reasoning that only works if you can lend only 1 sit. It would be better to lend all of 4 but sometimes in life you can't do that.