Athleticism and fitness are different, though.  I know a lot of wildly uncoordinated endurance athletes with exceptional fitness. 

Voldemort

That's called "moral hazard": a very cool name for a very important concept.

Undisciplined

Actually even people's lack of fitness affect you, in the socialised medicine of Western countries the collectivity pays for people who don't take care of themselves. While intentions are certainly good, it creates incentives that make the system doomed to ruin