American health care plans are starting to offer financial incentives for maintaining fitness. Which seems a bit like a tragedy of the commons situation. In t

American health care plans are starting to offer financial incentives for maintaining fitness. Which seems a bit like a tragedy of the commons situation. In that insurance company X is paying me for later life benefits that may be reaped by insurance company Y that I have 40 years from now. We need to hurry up and get to baseline genetic risks, then directly rebate insured out of a central pot if they exceed their expected fitness metrics.