Is there not a corelation between high LDL levels and smoking?That's ok too. BUT it is almost impossible to determine the exact cause of these problems. For eg: I have high cholesteral. I don't eat meat, fried foods (rarely), and eat reduced fat and no-fat foods. I buy foods that are high in omega 3 fatty acids (good cholesteral). But I have high cholesteral simply due to genetics. My body makes cholesteral from cardboard.
Now you're starting to get into Gattaca territory........
but by the same token:
If you have health issues due to alcohol consumption, you pay your own health care costs
If you cause an accident due to DUI, you pay ALL the costs out of pocket (negating insurance)
If you get injured due to lifestyle choices (ie: parachuting, bungee jumping, rock climbing) you pay your own health costs