I'm well aware of the stat that you're pushing, I am pointing that it does not apply to people that are obese. Costs rise rapidly for obese people MUCH sooner than the elderly and smokers which are a very niche group (specifically in the US), obese people are not; they also have early signs of problems, where smokers do not. Which group overran hospitals in 2020 with COVID and drained resources from other departments/types of healthcare? I'll give you a guess. That overrunning lead to the deaths of people that weren't obese and didn't have COVID because they could no longer get care. Also, Smokers don't need constant medications to fight high blood pressure, diabetes, arthritis, etc, so their lifetime costs are much much less.

Even outside of the medical realm, people that are grossly obese use more resources, including fuel, which effects everyone. It is very much a problem for everyone.