Not all comparable, Keith. You are doing a bit of devil's advocacy here. Skiers do not intend to have accidents on the slopes but have occasional misfortunes. Likewise, mutatis mutandis, equestrians. Some people just have a metabolism which induces fatness.

But smokers, like over-drinkers, are wilfully indulging in an activity which they know to be intrinsically deleterious, which brings its own inevitable disagreeable consequences of which they are aware before they decide to indulge in it. And they should pay.

~M~