A smoker's heart attack at 57 is cheap, it's the non-smoker's 15 years of Alzheimer's that costs.
Or is that the smoker's emphysema, copd, lung cancer - I've heard it both ways but in my mind it's at least an open question as to who costs more.
True enough, it could go either way, you pays your money and you takes your choice. Unless you're a Kiwi, there the state makes that choice for you; Mummy knows best.
See comment elsewhere in this thread for how smoking is a massive net gain for the UK government thanks to high taxes and early mortality.