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It arises when it is possible to alter the probability of illness or the size of the payout required by the insurance provider, it may be reduced by co-insurance, deductibles and no-claims bonuses Occurs when it is not possible to make someone better off without making someone else worse off Can lead to physician-induced demand

Adult smokers transition to less harmful alternatives

People who remain under stress may tend to overeat or eat junk, put off physical activity, drink more alcohol and smoke - all this eventually leads to high blood pressure

Even then, they don't truly biodegrade but rather break down into microplastics, further polluting our environment