I have a genetic problem right now. I did not receive Tim Duncan's genes. That means that I'm not seven feet tall with quick feet and excellent coordination. I also have severely flawed genes that have cost me millions of dollars in lost salary from the motion picture industry. Due to my genetics, over which I have no control, I don't look at all like Mel Gibson.
Some people are smarter than other people.
Some people are better looking. Some people have been dealt a tough hand of cards in life. If it turns out that I have a gene that may cause a disease at some point in the future, I will probably have to pay more for insurance, maybe get a high-deductible policy with some cap on the benefits. I'll have to live with some risks, as all people do. A relative of mine has diabetes - he works for a large company in part because of the health benefits.