Hmmm, I could give an editorial comment about *when* said lives were ruined, but I won't.
Let's see, I think it depends on your definition of dumb. It really isn't all that intelligent to try anything unsafe, such as intentionally trying to keep your harness/lapbar several clicks too loose (more than one for comfort), standing up on a non-standup coaster, throwing basketballs between trains on the Gemini, reaching out to touch the structure of various coasters where it can acutally be touched, trying to turn around while the ride is in motion, etc. -- all of which I have seen. And there's plenty more where that came from!
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Po!nt of View: A different look at Roller Coasters.
http://www.crosswinds.net/~justmayntz/thrills/index.html