I smoke both pipes and cigars, but not those nasty ciagrettes. It seems like you are referring to either marijuana or cigarettes, neither of which I smoke!
Just get high deductible health care with an HSA, I pay about $80/mo and then however much I want to put in my account(which I keep!). Plus this does not keep me chained to a particular employer and I am free to change jobs without
fear of losing health care coverage
'Ban' is a very strong word. Maybe there should just be a handicap that rates TC articles 'lower', that way if the article is good it can be rated up, but the ones nobody cares about will trickle down