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But if someone stopped smoking and got angry with life and got violent etc and so it goes on. Everything is linked. It is why insurance would be so hard to sort out so inevitably we would all overpay. I have no idea how to solve this.

I don’t disagree. It was a simple example. How much tax do smokers and drinkers pay? Loads. I expect they use more than they pay but I have no idea. Some will and some won’t. It is why it is so tricky.

The example of obese people is often used but the issue is where to draw the line. What about people injured playing sport? Take part in high risk activity then tough. And the debate rages. Agree with the poster about private rinsing the cheap stuff for profit leaving expensive to nhs. Due to...