The reason why we have things like regulations and consumer protection laws is exactly to prevent people from, as you put it, becoming victims of themselves.

If everyone had this kind of attitude, we'd still be driving cars with no seatbelts.

There's a reason that we term things like power and water "public" utilities, and that decent, well run governments regulate them. One, it's to ensure safe, reliable supplies. And two, to make sure that they're fairly priced. What happened in Texas shows the complete and utter failure in this regard. Sure the citizens of Texas voted for this complete clusterfsck, but not everyone, and those who end up with the short end of the stick shouldn't be blamed because the majority were a bunch of idiots fed lies for decades.