That story, from Dr. John A. Meyer's article "Cigarette Century" in the December American Heritage, illuminates like a lightning flash this fact: Much - probably most - of America's hideously costly health-care crisis is caused by unwise behavior associated with eating, drinking, driving, sex, alcohol, drugs, violence and, especially, smoking. Therefore, focusing on wellness - on preventing rather than curing illness - will reduce the waste inherent in disease-oriented, hospital- centered, high-tech medicine.