MikeWhy wrote:

I can see people who choose to smoke, for example, having to pay
higher rates.

Or ride motorcycles. Or jump from perfectly good airplanes. Or SCUBA
dive. Or ski. Or own firearms. Or are presumed genetically
predisposed to early failure of some sort. Or don't wear sunscreen.
Or...

Heh, oddly enough I answer to most of those categories, although I do use
suncreen.