In the UK for example, when you buy cigarettes you pay 77% tax. The total tax receipts for this tax are about £9bn per year, whereas the NHS spends only £2.7bn. (Figures from <a href="http:&#x2F;&#x2F;news.bbc.co.uk&#x2F;1&#x2F;hi&#x2F;health&#x2F;7654153.stm" rel="nofollow">http:&#x2F;&#x2F;news.bbc.co.uk&#x2F;1&#x2F;hi&#x2F;health&#x2F;7654153.stm</a>, 2008.) Therefore, you could argue that the costs of this behaviour are fully funded. The point is, there are other ways to deter dangerous acts than via insurance premiums.