It's true that there are plenty of people out there that are unhealthy through no fault of their own, but that doesn't mean employers have any responsibility to subsidize them. In fact they have a responsibility to both their customers and their shareholders to do otherwise. The one exception would be if the conditions arose during employment and the employer was committed to provide for the employee per the terms of employment.
It's may sound heartless, but companies aren't in business to be charity cases and when we force them to be, they become less competitive and we all suffer because of it.
It's true, what you say. Bottom line is, we're unhealthy on many levels. Fat is the physical. I won't get into what's become of morality.
Where do you get the idea that if someone is overweight or a smoker they don't work as hard as someone else? I thought a person was hired due to their being able to do the job? Silly me. I am a smoker and when I worked I put 150% into my job. And alot of non-smokers couldn't hold a candle to me as far as my health was concerned. But then I did eat right and got plenty of exercise.