there is a difference between those who can't care for themselves, and everyone else. those who truly can't care for themselves must be cared for. everyone else, should take care of themselves.
you have things backward. the government does not need to regulate because people won't exercise personal responsibility. people stop exercising personal responsibility when they become dependent on the government.
you need only look at Europe for good examples. thousands died in a heat wave a few years ago. when people were interviewed about it later they wondered where the government was that so many would be left to die. it never occurred to folks to check on neighbors, relatives, etc. it's the governments job. in england a couple of years ago, people sat on their roofs in a flood and cried that the government had let them down by not keeping the flooding from happening and for not getting them off the roof.
look at any disaster in this country where the majority of the population is government dependent. they will sit and die before doing anything for themselves because "it's the governments job". an equal or greater disaster in another area were people are used to taking care of themselves will be met with action by the community, not only to mitigate the effects of the disaster, but to take care of each other.
government destroys personal responsibility, community, and innovation.