Those things are bad for your health, obviously, but aren't as easy to charge for since they aren't binary. How would you decide if someone was 'overweight' or didn't exercise? You couldn't base it on weight, because some people have a lot of muscle. How many hours do you need to exercise? What counts as exercise? How intense does it have to be? Do you charge someone who is 100 pounds overweight the same as someone who is 200? Or 10?
Smoking is binary, so you can easily price for it.
Sure. Neither is being overweight, which is just as measurable as nicotine use. (Probably more measurable, since you can't easily lie about being overweight.)
Smoking is binary, so you can easily price for it.