So, a 50-year-old, non-drinking/doping married couple travelling by tour bus has to pay the same for travel insurance as twenty-year-old kids getting loaded, riding around without helmets and climbing on balconies, yes?
To be clear, I have nothing against twenty-year-old kids getting loaded, riding around without helmets and climbing on balconies and participating in all manner of jackassery, but I do not think I should have to subsidize them.