Deraile,
You are right that people need to take an increased level of personal responsibility, but part of that resides with people like Doug providing robust (and sometimes obvious) evidence which allows organisations and individuals to be properly informed. When divers were free to do what they wanted and self-trained, the risk was solely with them. Now with the vast number of training organisations and dive centres, there is a burden of proof to show they did what they could to reduce the risk to a manageable/acceptable level. (A level which is not defined by the way!!)
The following incidents were reported to me:
1. Diver surfaces after a 30m/20min dive coughing, his buddy surfaces immediately shouting for O2 and to get the diver on the surface, but not to worry, it isn't a diving issue. Diver exhibits cyanosis, on board, on O2, skipper calls 'Mayday', diver evacuated by helicopter. Skipper heads home once everyone on board. One of other divers obviously distraught. Skipper asks why. Transpires that he had been told not to dive as he had recently (4-6 weeks prior) had heart surgery and was on anti-coagulatants. At 6m he had a coughing fit, which they believe caused bleeding in the lungs. Diver survived.
2. Diver enters water with buddy. Starts descent, has issues, back on surface, asks for assistance, then goes unconscious. Recovered onto boat. Evacuated by RNLI. Dies later. Transpires has lied on medical form about his health, has history of cardiac issues and has stents. Buddy and skipper very pissed off as neither knew about this.
There is a limit to what can be done with regards to cardiac screening without impacting on the viability of the sport. Most hyperbaric doctors recognise that more should/could be done, but the majority also don't know of an effective way of doing it. In the UK ScotSAC stopped doing diving medicals, relying on self-declaration forms as this had a similar level of detection as medical screening with a GP or even an HSE level medical.
At some point divers have to take responsibility that they are putting themselves in a risky situation. But when we don't know the diving demographic, the types of diving they do, the exposures they place themselves in, it is difficult to determine the delta in health issues from the general public.
Interesting point about diving solo, you still have a family and presume you have friends? Wouldn't they miss you? That doesn't mean have zero risk exposure, but you have to determine what you find acceptable (or your family love you so much, what they determine acceptable if you want to keep them happy

).
Regards