[xorcist]

It also doesn't strike me as very fair. If you smoke, should you not receive cancer care because you took unnecessary risk?

I can see how you could arrive at similar conclusions from a risk management perspective, but it's not a morally just system. Within the system risk taking must be accepted.

[bumby]

Depending on your definition of “fair” this presupposes people are good at estimating risk. The above premise was is based on the fact that they are not. I think there’s a lot of behavioral research that backs that up.