Silly analogy. Nobody does this, only carpenters remain close enough to the noise they and their fellow workers create to suffer damage to their inner ears. Their activity causes the noise, they must remain in the danger zone to do the activity, the activity causes the damage. Irrelevant what OTHER activities cause hearing loss as well.

While there are no doubt genetic actors in insulin resistance there are also obvious life style causes as well. By your logic you could call noise related hearing loss a genetic condition, given that genetics determine the robustness of the hair cells that are damaged by exposure to loud noises. Vulnerability to such damage almost certainly falls out on a bell curve, with some more and some less susceptible to that damage from equal exposures.

Absent adequate hearing protection, carpentry, "in and of itself" does indeed cause hearing loss. The risk of that loss increases with the use of power tools, but hammers alone create high enough energy pulses to damage the inner ear.

Risk factors are causes of physical effects, though some will be more and some will be less vulnerable to them. Insulin resistance is thought by many researchers to be a prime cause of insulin resistance. They may be wrong of course, but still, worth reading;) https://www.lifeextension.com/magazine/2017/11/insulin-resistance-and-obesity#:~:text=The%20major%20cause%20of%20insulin%20resistance%20is%20obesity%2C,