Someone who is grossly overweight has, in my opinion, unhealthy eating habits. Spare me the whining about glandular problems and big bones. Cigarette smoking, alcohol and drug abuse, lack of even minimal exercise are all evident with a cursory physical exam.
Why is it fair to charge me a higher insurance premium because I live in a community with an above average population of drunks and drug addicts, (NYS Community Rating Law) but it's unfair to charge more to individuals who are drinking and drugging themselves into an early grave?
Since when is life fair?
Why don't you and a few of your perfect friends just self insure or start your own little company?