[dtj1123]

Does that line of reasoning extend to things like fast food and motorcycles in your eyes? Not trying to undermine your point, just genuinely curious.

[daedrdev]

I think motorcyclists should pay more for health insurance insurance considering they will use it way more often no matter how well a driver they are, the risks are simply always present.

[aeonik]

If they die more often in accidents, and their organs are harvested from that, they should pay less though, right?

[daedrdev]

I was going to say that but apparently motorcyclists only make up a small percent of organ donation

[patcon]

> things like fast food and motorcycles in your eyes?

motorcycles...? in... my eyes?

What wizardry is this? First "computers in my brain", now this. I'll have the singularity that you're smoking pls :)

EDIT: was at first genuinely confused, and then tickled by my own misunderstanding

[dtj1123]

'in your view' would probably have been a better choice of words.

[lostmsu]

I don't see why not. Maybe no need to ban altogether, but a heavy tax on both might be useful. For motorbikes maybe just exclude accidents from coverage.

[bee_rider]

I guess they aren’t very widespread anymore, but should this cover police who ride motorbikes? Or farm/ranch workers (they might ride ATVs)?

I guess we could do something like:

    <normal coverage> - <adjustment for risky behavior> + <adjustment for pro-social outcomes> 

But I think we will have trouble puzzling out the last term!

[lostmsu]

One has to draw the line somewhere. What you are doing is called a slippery slope fallacy.

[bee_rider]

I’m not sure it is a slippery slope. With a slippery slope we expand the scenario through a sequence of “if X, when what’s to stop Y,” right?

Motorcycle cops are an obvious subset of people who ride motorcycles. It isn’t an extension at all to include them in your logic.

ATVs might be more of an extension. But, I bet if we wanted to we could find all sorts of jobs that are more dangerous than motorcycle riding.

(Edit: just to be specific, you say we have to draw the line somewhere. Well, then where?)

[lostmsu]

There's a long list of topics where this particular reasoning could draw a line somewhere. It is unfeasible and pointless to cover them all unless they are all banned or all allowed (this essentially is the current state +- AFAIK).

I'd say it is worth looking at redrawing that based on the maximum effect achieved. Drugs would be at the top of this list, followed by motor vehicle use and unhealthy foods. There is probably not enough justification to go beyond the 3.

[bee_rider]

I’m not clear on what the effect actually is. If it is cost reduction, not sure where motorcycles should be on the list (they are probably more costly for life insurance agencies than for health insurance ones…).

I guess I’ve been beating around the bush, but my point is that targeting drugs specifically for this sort of thing would seem kind of, I dunno, puritanical to me (as someone who doesn’t partake). I’d rather just insure everybody and hope they don’t hurt themselves, just out of their own self interest.

[marssaxman]

> For motorbikes maybe just exclude accidents from coverage.

From personal experience, this is de-facto true regardless of what anyone thinks the law says.