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A rights based ethical system handles this quite easily ...

An individual has the right to engage in sexual acts with other consenting adults, and they have the right to use contraceptives if they choose to, but they have no authority to force someone else to pay for their contraceptives; or to have other people pay for the children they have or the diseases they get.

Rights based ethical systems are based on the balance between individual rights and personal responsibility. Unfortunately, those who are constantly trying to eliminate individual rights do so because they fail to accept personal responsibility for anything.