> You might be able to say something similar about health insurance and sedentary smokers vs. runners. If an extra hour of work is less economically valuable th

> You might be able to say something similar about health insurance and sedentary smokers vs. runners. If an extra hour of work is less economically valuable than a gym visit, the incentive structure should reflect that. If someone gets sick and thus becomes sedentary due to their illness now you’d be effectively discriminating against them due to their preexisting illness because they can’t go be a marathon runner. So we better create a rule that somehow excludes ill people from being discrimated against like this. Oh and then we’ll force the sick person to go through a hellish process to prove it too. Etc. Wrt health insurance we should just get off that train. It only leads to a worse and worse place.