Cancer, type 2 diabetes and heart disease have no pathogen, so there is nothing to catch. Risk builds from genes, environment, diet and lifestyle, and each one nudges probability rather than deciding fate. Switch on risk factors for a town of 1,000 and watch how many people develop a type 2 diabetes-like condition; then add years and watch which count climbs and which one holds.
A risk factor shifts probability, a cause is necessary for the disease, and a chronic disease piles up prevalence even while incidence holds steady.