TheDevil - // Andy "the rescue team assess the level of stupidity" They aren't able to because Ability and Stupidity are variants. //
I believe they can.
It's not designed to stand up to a legal challenge, but something like "Look, you have clearly put yourself, and us, in danger because you are not equipped properly …" should result in the desired donation.
If not, fine, you can add callousness to stupidity!
There is a world of difference from equipped climbers needing rescue, and amateur numpties needing rescue - one would probably donate anyway, the other should be asked - nothing more than that.