The legislative institutions are not isolated from the people. The opposite in fact, in democracy they must respond to the will of the people. So if enough people are irrational and wish to assign blame somewhere else after they assumed a certain risk (and/or enough people support this even when not involved), there can be no legislative solution.

It would require legislative bodies to pass laws against the wishes of the people. Maybe in China :)

I find this comment somewhat disingenuous. People have been arguing about allowing more experimental end of life treatments for at least 40 years of my life. I grew up during the AIDS crisis and there were all kinds of quacks selling this or that to take easy money from desperate people. If what you say is true, then why hasn't it already happened? After all, isn't 40+ years long enough to argue about it?

Because decades of arguing in no way implies that "the truth" or correct policy will fall out of politics. Abortion and marijuana legalization are two contemporary (and much more prominent) examples.