In a world where your behavior affects your insurance premiums, everything you do would have an implicit cost/benefit analysis. Sitting around and snorting coke would no longer be a juvenile game of either being caught or not being caught. It eventually would become a matter of deciding whether to live permanently as an unemployable and uninsurable outcast or prosperously in polite society.
A truly free society would be a very unforgiving place for freaks, idlers, druggies and perverts.