If you have life insurance, and you die of, say, cancer, they will go through all of your credit card transactions. You agreed to it. If you died of a car accident, maybe they go through it too, just to see if you were purchasing excessive amounts of alcohol. They won’t necessarily deny the entire claim, but they may deny as a gambit, then negotiate it down with your estate in a settlement.

At a minimum buy all vice purely in cash. Bars, alcohol, nicotine, marijuana, and anything that could hint at a certain lifestyle. Also protects you in civil lawsuit and divorce.