We've been working hard as society to allow people to continue to live with chronic disease. Co-morbidities is just another way of saying 'they would have died sooner or later anyway', but for all of these cases you are looking at individuals and people that have family and dependents. In the long term all deaths are 'front-loaded'. Every person that dies of traffic, obesity, terrorism, disease, famine and so on would have eventually died anyway from some other cause. That doesn't stop us from trying to address these causes of death resulting in people living longer. We don't call those who live to an older age with diabetes 'time stealers' any more than we should call people that die early of COVID+some other factor 'front loaded'.