"The basis being why should we pay for peoples destructive behaviors and personal decisions?"

Supportable if you support discrimination! Who draws the lines of destructive and personal decisions? You? And don't pretend like actuaries do that, someone still defines their curve!

Coal Miners with Lung cancer shouldn't be covered!

Military personnel active/veteran exposed to low level radiation shouldnt be covered.

Why should we have to pay for their personal choices? They new the risks!