Why is it a good idea for people to have disability insurance even when it is not available through over your lifetime?

How does drinking alcohol or using drugs put a person at risk for hiv infection? a. they improve judgment, which makes it more likely for people to engage in risky behavior. b. they impair judgment, which makes it more likely for people to engage in risky behavior. c. they impair judgment, which makes it less likely for people to engage in risky behavior. d. they improve judgment, which makes it less likely for people to engage in risky behavior.