And I don't get that. To use an analogy (which always goes poorly) that's like you saying that if you knew I was willing to buy dinner for you, you'd purposefully buy the most expensive items you could just so I would be forced to spend more money.
There is no reason to do it, except that you feel you can, and I don't get that. Especially since metagaming is generally frowned on, and "The DM doesn't want to kill our characters, so everyone do the stupidest, most risky things possible since there are no consequences" is quintessential meta-gaming.