How do you figure? I know several smokers who are now over 60 who had gotten lung cancer, becoming unhealthy and costing 200k each chemo session.
Also have you seen the kind of medication regimes that most 90 year olds take? Many of them take as many pills in a week as a 60 year old has took over the last decade or more.
> Keeping a relatively healthy 90 year old alive for 2 more years costs significantly more than keeping an unhealthy 60 year old smoker alive 10 more years before they have a heart attack or stroke.