Smoking is an activity that you choose to indulge in, not a state of your being. The comparable thing to charging extra for a person's weight is to charge extra for people with lung cancer or asthma. Weight is one potential byproduct of an unhealthy action (or inaction, as the case may be), just as lung cancer and asthma are potential byproducts of smoking. And, just like not all asthmatics or lung cancer victims are smokers (but many are), not all fat people are lazy or unhealthy in their activities.

Likewise, you could smoke and never get any ill side effects...it's unlikely, but possible. And, you could be completely unhealthy in your food/exercise lifestyle and never be what the government charts consider obese.

That's why charging an extra for smoking is okay by me, but charging extra for weight is not. They're not the same category, and it ticks me off that they get lumped into the same bucket.