Why?
Because people are being bullied into it by fascist companies.
If you smoke in most companies you pay an extra 1 to 3K a year more for your health insurance.
I don’t smoke but I hate bullies.
I notice that politically correct at-risk behaviors are not so penalized.
You pay more simply because your risk of serious health crises goes way up... My father would be alive today had he not smoked its that simple.
should other “behaviors” also be penalized? probably some yes...