I personally believe you should also take the steps to decrease the risk of you harming people you don’t know, not just yourself and loved ones. Lowering your own chance of getting sick is part of that. If your habits lead to you getting sick x% of the time, and infecting someone else unknowingly y% of the time, which causes death z% of the time, you can consider your actions to have some statistical likelihood of killing someone. Within reasonable limits, trying to get that xyz lower is part of ones personal responsibility to me. To me it’s not a moral trap to say that people should feel responsibility for their actions beyond their ability to directly trace their actions to a specific harm.

What reasonable limits are, and above that at what point the government should step in and say your actions are too dangerous to your fellow man (or if government should have that power at all) are of course very hard lines to draw.