you've lost when they are in your health insurance pool. now you are paying for their bad decisions.  by the time something happens to you unrelated to being fat, it's harder for you to make a claim because the pool's finite resources have been pilfered by people that knowingly make bad health decisions and there's nothing you can do about it unless you start your own insurance pool, which i'm not even sure if that's practical. i wouldn't mind joining a pool that has monthly weigh-ins, incentivizes you to share your grocery receipts, or something drastic like that. but imagine the rancor you'd hear from fats. also, there is no win for natural selection. science is only getting better and better propping up bad lifestyles like being fat. and these people are easily living long enough to procreate. if you think runaway obesity has massive negative impacts on society, you may need to take a second look. they cost you money directly.