On the subject of which actions hurt only ourselves and which ones hurt others. In some ways, anybody that does things that harms their own health, hurts everyone because unhealthy lifestyles raise everybody's insurance costs. When my employer offers health insurance, there is a cost per employeee (for the company) the healthy people are paying more than their fair share of that cost based on their received benefits.

Of course, anybody can have something bad happen tomorrow but people that don't take care of their health have a much greater probability of needing more in the way of benefit costs.