Much of what you say is already in force. I get breaks on both health and life insurance for being a non-smoker. Even car insurance. Go figure.

All good hotels offer non-smoking rooms, and the difference is obvious to non-smoking noses. One wonders if their insurance rates are favorably altered by having a lot of rooms where nobody can smoke.

I think non smoking laws for bars is overkill. I think non-smoking rules for airplanes, with their largely recycled atmosphere, are okay. Ideally, you would leave this up to individual airline companies, but in real life there aren't enough planes and airport slots to accommodate both "smoking" and "non-smoking" airlines on the same routes.

I would imagine a very large airliner like the new Airbus could actually have a walled-off smoking section with its own separate air system, like the Hindenberg did.