[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.

[lostmsu]

Puritanical is just a label here that you slap on the idea you don't like. In the US drug overdoses are the top cause of death under 35. I have no idea how to properly estimate severe harm that does not result in death but if you take say war as the first approximation, you can 4x the deaths to get non-fatal severe cases.