C. Tobacco users contribute to an overall loss of productivity.
Tobacco use has wide-reaching societal impacts beyond the individual smoker. Here's why option C is the correct and true statement:
Let’s review why the other options are incorrect:
❌ Incorrect — The healthcare costs and loss of productivity from tobacco use often lead to increased insurance premiums and public healthcare expenses that impact society at large, not just smokers.
❌ Incorrect — Secondhand smoke harms non-smokers, and the societal costs (healthcare, insurance, lost productivity) affect the general population.
❌ Incorrect — While tobacco users do pay some costs, much of the burden falls on public health systems and insurance pools, affecting everyone.