> Someone who works to stay fit should be rewarded Rewards to incentivize healthy behavior seems like a good idea.

This study about the impact of an incentive program for preventive care concluded: "Voluntary participation in a patient incentive program was associated with a significantly higher likelihood of receiving preventive care, though receipt of preventive care among those in the program was still lower than ideal."

https://www.ajmc.com/journals/issue/2014/2014-vol20-n6/impac...

> predisposition to disease What about pre-existing conditions?