A big issue I have with certain forms of socialism

If you are born with a disability or condition, become injured in sport or war or develop something in old age through no fault of your own whilst being a productive, healthy member of society, I completely understand socialised healthcare for such people if they have paid into it.

However, I find something immoral about the idea of someone who has put a lot of money into exercise equipment/gym and healthy food, and time into exercising and preparing healthy meals, to then have to pay for the surgery of someone in their 40s who has just had heart failure as a direct result of going to mcdonalds every day and their only exercise being a couple minute walk to the cinema. Money that he could have put into the healthier man's children, or his hobbies, or into a business.