(This will only seem like a novel approach if you are steeped in the norms and values of a hyperindividualistic culture. Which I am, and which you probably are too if you are reading this.)
Oftentimes in the hyperindividualistic culture we base our decisions on the perceived level of risk to ourselves. My “novel approach” prioritizes assessing the risk to others.
So, for example, I don’t drive at night. The primary reason is because a car is the mode of transportation that’s most likely to hurt or kill people. (Of course, by not driving at night, I’m also safer myself.)
But what about that personal danger? Obviously we don’t want to deliberately put ourselves in danger. So how do I justify walking at night? For many people, that’s considered a very risky choice. But there are ways to mitigate that risk, and that’s what I want everyone to think about regarding their own choices. I walk at night only in areas that I am deeply familiar with. Also, I refrain from using headphones while walking at night. Although the risk is zero, the many benefits outweigh the risk. (For me. This is just an example of a decision procedure for mapping out personal choices.)
There are other examples; I’ll come back and write them as they pop into my mind. In the meantime, you can probably think of some examples from your own life!