If we held them liable for the future medical bills, would we give them a discount if they come up under the cost of long term care? Right now, smokers die ear

If we held them liable for the future medical bills, would we give them a discount if they come up under the cost of long term care? Right now, smokers die earlier. In theory, despite the treatments for lung cancer, the earlier death means that overall it is cheaper to the “system.” A person dying under 65 means no social security payouts, etc. Yes, Prime Minister noted that cigarette related deaths saved the country significant amounts overall.