If only it was just genetics. I broke my right leg (femur) when I was 4 years old. After it healed, I never had a single problem with it. Played basketball, baseball, and I still lift weights today. I'm not in great shape, but probably better than average. My right knee started giving me problems. Meniscus tear. Didn't need a surgical solution just PT. Insurance denied paying for my PT because of "strain on the ligaments caused by prior break to femur". 39 years later? Maybe. But to deny PT sessions over that? That's stretching it.