The health of the Heroist was taken into account; he already has a -7 penalty. :) (or maybe less than -7 isn't possible?)
Human Development Index is a dependent indicator; don't even look at it. It doesn't change directly in the game. (I think)
So, the misunderstandings only arose with the unexpected death rate (which is lifespan), health, and safety.

В тихой однообразной жизни всегда так бывает: каждый отдельный день бесконечно долог, но месяцы и годы мчатся с непостижимой быстротой.
I wanted to offer you some flowers, but a crown would suit a princess like you much better
Смысл жизни в том, что жизнь на тебе не заканчивается