In the UK for example, when you buy cigarettes you pay 77% tax. The total tax receipts for this tax are about £9bn per year, whereas the NHS spends only £2.7bn.

In the UK for example, when you buy cigarettes you pay 77% tax. The total tax receipts for this tax are about £9bn per year, whereas the NHS spends only £2.7bn. (Figures from http://news.bbc.co.uk/1/hi/health/7654153.stm http://news.bbc.co.uk/1/hi/health/7654153.stm, 2008.) Therefore, you could argue that the costs of this behaviour are fully funded. The point is, there are other ways to deter dangerous acts than via insurance premiums.