Driving like a moron in a 2T vehicle is.

Risky driving isn't a private problem. It's a public problem.

And the government already monitors your on road behavior and punishes you for engaging in risk. Speed cameras and traffic cops exist, in case you didn't know

However, presence of alcohol in sweat or by another means if detected and taken by systems to feed data to insurance companies it will make judicious decision in charging the person a higher premium.

Because, drunken driving risk lives of others on the road and yourself. If a person is not in a position to live on a agreeable consensus of social security model without putting others life at risk, jungle suits him.

https://en.wikipedia.org/wiki/Auto-brewery_syndrome

Also:

http://www.consumerreports.org/cro/car-insurance/credit-scor...