The issue with that "principle" is that it takes one person, who could very well be from a different society with different ideas of consent, or just a suicidal lunatic or someone in for an insurance scam, to ruin it for everyone.
I'm not sure if we're worried that the outliers are at the top exerting illegitimate control or at the bottom undermining it without justification but either way I agree that there are no easy answers here. It's just something you've got to navigate if you want to have a society.
