> Doctors are bad because their existence incentivizes people to take risks they might shy away from if there were no doctors.

I haven't seen any seriously make this argument for doctors because they are too far removed from decision making, but it is a discussion when adding new safety features to a dangerous activity. If the new safety feature encourages more dangerous behavior, then the safety needs to be worth the increase in dangerous behavior. Generally it is. Sometimes it isn't but it is added for legal/liability reasons; that's another case of perverse incentives.