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Just out of curiosity, how old are you? I'm not trying to be confrontational -- I'm genuinely curious, because you sound like someone who hasn't had anything worse than a flu so far.

Here's an incentive to be healthy: medicine is not magic. It's not like I can opt to do all sorts of unhealthy stuff and just keep paying a certain sum to live a completely normal life.

For example, you mention smoking. I smoked for 5 years, one pack a day on the average. After a while, I was coughing my self to sleep at night. There's no pill or treatment that will fix that magically and allow you to keep smoking. Only quitting made it go away.

Shouldn't the consequence for bad decision be being unhealthy?

I mean, at least for me, my health is a very significant priority in my life.

I can tell with certainty that getting cancer sux even if they treat you for free. Broken leg, hearth stroke or even flu sux to. So does most diseases and injuries known to humanity.