Well I'm paying extra life insurance on my mortgage because I used to smoke. Ok fine, I quit, good riddance. But a paranoid conspirationist would argue that th

Well I'm paying extra life insurance on my mortgage because I used to smoke. Ok fine, I quit, good riddance. But a paranoid conspirationist would argue that these studies help these mandatory policies as well as providing wriggle-room for health insurances to get off the hook or impose higher premiums for anything that's remotely "risky behavior" - which at this stage might be anything...