Fun fact, there are insurance exemptions and penalties for at least a few of the things you've listed. Your jurisdiction & policy may vary, but where I live, smoking can increase your insurance rates and make you ineligible for things like kidney transplants; injuries sustained while intoxicated are considered at-fault and aren't insured. I think that includes overdoses. People who engage in extreme sports are encouraged to get specific life insurance because most policies don't cover wanton recklessness. Unwanted pregnancy? Not where I live, but anti-abortion laws are coming fast and furious across the US, and yes, children are extremely expensive and entirely your responsibility.

The unresearched whataboutisms in this thread are truly something else.