Although I agree with "YOLO," the whole reasoning behind it is to live a more adventurous and care-free lifestyle. You can't really do that if you always put yourself in death defying situations 😂 I say it's more about risk management. You want to enjoy life and be adventurous. But you don't want to say "YOLO" and meet and unfortunate end.
You want to have a "YOLO" moment that is exciting and safe so that you can have another "YOLO" moment.
But of course. Some people take it way too far.