Mother Nature has already taken care of the punishment for stupidity. Have you ever seen the Darwin Awards?
I particularly enjoyed the one about the guy who decided to go "ice fishing" with dynamite.
He drove his SUV out on the ice, lit and threw a stick of dynamite, and then watched in horror as his dog ran to fetch the stick.
With all his whooping and hollering, the dog took shelter under the SUV, and then scurried away before the explosion.
So he bagged one SUV that day. Evil things, anyway, you know.
The problem is, we're fighting against Mother Nature. We coddle and reward the stupid, to the tune of millions in cash settlements for their confessed stupidity in insurance rip-offs.