Taking moral responsibility vs. being a "survivor" or a "victim"

Dr. Joy Bliss writes at Maggie's Farm,

Addictions and other bad habits were defined as "diseases" for one reason only: insurance coverage. Today, we see an expansion of behavioral issues - and even phony issues - labeled as diseases for the same reason. Secondarily, having a disease eliminates moral responsibility, and nobody enjoys taking moral responsibility for decadent or depraved behavior. It feels morally, if not heroically, better to be a "survivor" or a "victim."

Basically, the term "disease" is a flexible one to the point that almost everybody can be labeled with one or another.