There are limits to free will. Depressed, anxious, abused and sick people are statistically more likely to make poor life choices. Let’s give them a break.
Agree with what you say though. I live in the uk and it did ease the guilt a little knowing that I was at least paying my way.
I'm fully supportive of banning all substance use from tv that is not made by a nonprofit for educational purposes, forcing all substances to use generic black and white labels that Are only differentiated by the brand name written in size 12 font on the back of the container with the warning labels in size 16+ font on the front. Likewise banning all advertisements, and the sale/distribution of branded products associated with companies that sell drugs.
But the point remains that smoking is overwhelmingly a personal decision.
Not really. In general an insurance protects you against risks outside of your control and/or they penalise you for increased risk, and will refuse to pay for intentional losses. We all experience this with car and home insurances.
Smoking and its health consequences are a personal decision and there is an argument that you should not expect others to subsidise your life choices.
That being said, in many countries smokers are indeed made to pay because tobacco products are heavily taxed and proceeds are used to fund healthcare.
In fact, I believe that for example in the UK taxes on tobacco products bring in more money than smoking costs the health service.