> we'll immediately be at the point where smokers, alcoholics, obese people etc. should pay more, after all, their way of life statistically causes higher costs.

Wait, do they not? I genuinely assumed they did. I remember when I got private insurance through my work I had to fill in some questionnaire. It was "free", but it was a taxable benefit so you knew how much you were costing the company and me and my friends had different rates.

I wonder what the actual statistics are when it comes to costs with active people that are more likely to be injured vs obese people that are less likely to be injured but more likely to suffer obesity related illnesses.