I understand your problem with actuarial tables. But when you know the rules of the game, you make your decisions. You choose to smoke, so it costs you more money. I hope smoking never catches up with you, but the odds are that it will. We know what it does to the body. Stay well, my FRiend.
I have made my choice with auto insurance. I stay within a few miles of the speed limit, do not drink and drive, and drive defensively.
LOL! “ and drive defensively.” Does that include when you see vehicles with stickers on the bumper from BOTH lyin’ king campaigns? I’ve been real tempted to spin and pin some of these clowns so many times but have been able to maintain my composure.