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Preface: I believe that everyone should be allowed freedom to as they wish, but not if others suffer.
This being said, why do I pay for others blatant foolishness? Why not break it down? If a motorcyclist refuses to wear a helmet, fine; heres your insurance group, premium based accordingly.
Smoker? Fine, heres your group. Bungi Jumper? Here you go! Name your scenario.
This is not voiced to victimize people, if you become ill or injured via accidental or natural causes, fine. I just have issue with supporting the LCD.
||Let's take it a step further
and bump up the premiums to
damage (where applicable) - so
if your bungy cord breaks not
only are your funeral expenses
covered, but the state gets
paid for cleaning you off the
||This is already done wherever possible.
||Not the pay-the-state-to-mop-people-off-rocks one. The other one.
||Do an internet search for "Moral Hazard"