My thoughts, as well.
If people want to do something stupid, that's certainly their right, but if the state has to spend money saving you from your own idiocy that shouldn't come free of charge.
My main concern, though, is that we don't start billing people for penny ante shit. It should be reserved for instances where someone did something
miraculously stupid during a declared emergency... like trying to ride the rapids with a blow-up doll.
If you think your car can make it through some standing water and it turns out you can't and you get washed down the river, that's a different situation as far as I'm concerned. You weren't trying to do something stupid just for the hell of it. I wouldn't want to spend a lot of resources investigating stuff like this during an emergency, so it should have to be pretty open and shut that you were being a moron, endangering the lives of yourself and/or others, and wasting limited state resources on rescuing your ass.