I believe even smokers who die early from disease are cheaper in the long run compared to those who end up dying much later in life.

I think the same idea holds true for the obese because they tend to die early, as well.

Being old and sick is incredibly expensive. Living healthily enough to get to be old and sick is a monetary drain from insurance companies' perspectives.

> Dying from a sudden stroke induced by a lifetime of lethargy isn't.

Lethargy has never gave anyone a stroke

But drinking 20 coffees a day for staying awake working 80 hours a week for your startup while you could easily have a normal job, that grants you a normal, quite life, had.