I agree with you but if someone is drowning, I will try help even though I cannot swim, despite growing up on the coast.
I will only do so if I can negate the risk to my own life. There is no sense in throwing yourself in the water if you don't know if you will be able to get back out. I am not averse to helping people, I will stick my neck right out if the situations demands it, but one has to calculate the risk. Do you swerve when one person runs across the road and then crash into another car killing 5 occupants... these are tough split second decisions that we are faced with sometimes, my view is to take the lessor of the evils...

"Common sense" is a very dangerous idea because it is mostly dependent on past experience, thinking laterally and being able to projecting an outcome, as they say, "you don't know what you don't know". Inexperienced drivers think that it is common sense to slam on the brakes if something happens (especially those who drive with ABS) but once you've aqauplaned an out of control car with its brakes locked and wheels pointing west, you learn that your "common sense" needs to be adjusted for wet weather driving (and ABS does fail too)

I don't know, I don't have the answers, $h1t I don't even know which questions to ask, I just think that we have to be careful about knowing our own limitations and reasoning abilities. Like I said before, rules are there to protect us from our own individual versions of "common sense" Too many car crashes and air crashes occur due to the notion of "common sense" but I must confess, there are people that have such an acute "common sense" due to experience that my little mind just boggles. Remember the pilot who ditched the Airbus A320 in the Hudson river after a bird strike, now that is what I call "BALLS powered by common sense derived from applying a calculated risk to a terrible situation by using years of experience" No textbook will teach you to do that. That guy proves that people are able to apply "common sense" extremely well provided that they have the knowledge, experience and balls to back it up. Hats off to that guy