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My OP wasn't a suggestion, it was a question.
What is stupid about charging people based on their choice of heightened liability? If I get a lot of speeding tickets my car insurance goes up. If I drive safe it stay low. It's not rocket science.
Oh and by the way, I tend to play devil's advocate so keep your partisan attacks to yourself.
How do you suggest we police this? Are we gonna spend tax dollars to have food police to police the junk that folks put into their own bodies? How about text police? See someone texting and walking at same time? Lets charge em more cause they could fall down and hurt themselves while texting.
Where does the madness stop? Be very careful what ya wish for in reguards to wanting more gov. in our lives cause trust me the results will come back to bite you on your ass at some point.