I think we also need to consider that it is our insurance rates that are escalating due to the losers who smoke, don't exercise and drive recklessly. We pay for their poor choices in life in more ways than one.
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Classic socialist thinking, but shortsighted. Insurance is my industry. Most of us would LOVE to add more differentiation in the rating systems to allow the "losers" to be charged more for their bad behavior.
Good luck with that. Try getting most of these rating schemes through the insurance commisioner. The losers come out in droves and whine as to how they are being singled out, profiled, redlined, and othewise being picked on. The upper class liberals agree, citing how it is "unfair" to charge someone more simply because they are obese, drive fast, smoke, live in a crummy neighborhood.
We should ALL subsidize those folks so that things are more FAIR.
So, the insurance commisioner says, hey, no fair, you can't charge that guy more because he is ruining his health!
And on and on it goes.
If you want to point the finger, look at how the system actually works.
