This is a tricky issue; we can't eliminate 'dangerous activities' unless everyone is confined to their houses in armchairs. Mountain climbing is dangerous, of course, but it's also good for us (not sure I feel that way about potholing :-) and we need managed risk to keep us healthy. What we don't need is those who venture out totally unprepared.
But it's an interesting topic.
I had a look at insurance cover, a bit complicated but, could be arranged, but probably only by responsible people, and not those who need it.?
This is from the GoCompere site...........
https://www.gocompare.com/insurance/individual-sports-and-hobbies/There's a wide variety of cover available, depending on the risk associated.
Walking in the Cotswolds is obviously considered a far lower-risk activity than scaling a particularly difficult high-altitude peak in the Antarctic, and this will be reflected in policies and premiums.
The British Mountaineering Council (BMC)
https://www.thebmc.co.uk/ offer a range of insurance to cover walking, trekking, rock climbing, abseiling, skiing and snowboarding through to climbing in remote and inaccessible regions.
Operated through ProSight Speciality Insurance, the benefits include not only liabilities and medical cover as well as loss and damage to equipment, but search and rescue expenses of up to £100,000.