Bob runs a small but successful company that produces a niche variety of widget for manufacturing sector X. Bob likes a cigarette! He applies his personal agency and smokes several packs a day. He says they help him focus. One day, in his forties, Bob is diagnosed with emphysema and learns he doesn't have long to live. In between crossing items off his bucket list, he tries to find a way to keep his company going; but no one else understands this niche like Bob does.

Bob dies and the company goes under. A few of his customers can't find alternate suppliers and go under as well. Some products cease to exist; others become more expensive. A huge loss to the market.

We all pay for others' mistakes and misfortunes.