All of the above is fine with me. I am a smoker, and I started with full knowledge of what I was getting into. You are not responsible for my choice, nor should you be responsible for my choice (with one exception: see below).
That’s a reasonable question. I think we could work something out in that regard. This is somewhat akin to the recent movement of employers to deny insurance to smokers. If I, as a smoker, were to be denied insurance on the basis of it being a risky behavior, then I think people with sedentary lifestyles (read: obese) or people who engage in high risk behaviors should also be denied insurance. On the other hand, if I am a buyer of insurance I am assuming risk along with everyone else. I may have to subsidize risky behavior, but I am also insuring myself against catastrophe, so it’s a fair tradeoff. Possessors of insurance would be exempted from my proposal.
Some of you may be thinking that this isn’t fair, that I’m smacking the poor far harder than others with my proposal. Well, yeah. Just because something is available doesn’t mean that it is appropriate to live beyond your means. I’m not capable of affording luxury cars, for instance, and as a result I show economic restraint. If I’m so poor I can’t afford insurance I surely can’t afford to pay for illegal drugs. It’s a question of priorities.