I agree with that. Somone who started smoking 40 years ago didn't choose to die of lung cancer today. He might not even have known he ran that risk before he became addicted.
So are you saying we should deny treatment to them?
Plus that allegory is kinda flawed. A person has power over their own action. But, generally, the average person does not have power over the action of the other billions of people they just happen to share a planet with.