But why, when the consequences are not inevitable? If you've stood in the sun until you get skin cancer, do we prevent treatment because you should just accept the consequences? If you drive without a seat belt and sustain injury in a car accident, should we refrain from saving your life since you could have predictably avoided harm?

There's an underlying assumption to your reasoning that the fetus is fully human and should be given the full consideration of any other human, but why that would be so has not been cogently argued.