If saccharin is bad and causes diabetes, how have I not contracted it after at least 45 years' use?

Saying that saccharin consumption is associated with a higher risk for diabetes does not necessarily mean that an individual person will contract diabetes after consuming saccharin for forty-five years, as you state you have done. Rather, it means that, on average, a person is much more likely to contract diabetes than an average person who has never consumed saccharin or other comparable artificial sweeteners.

The Multi-Ethnic Study of Atherosclerosis study linked above found that daily...

Saying that saccharin consumption is associated with a higher risk for diabetes does not necessarily mean that an individual person will contract diabetes after consuming saccharin for forty-five years, as you state you have done. Rather, it means that, on average, a person is much more likely to contract diabetes than an average person who has never consumed saccharin or other comparable artificial sweeteners.

The Multi-Ethnic Study of Atherosclerosis study linked above found that daily consumption of diet drinks (the vehicle through which most people consume artificial sweeteners such as saccharin) was correlated with a 67% increased risk for type 2 diabetes. This is a very serious risk, and just because a person has not contracted diabetes yet, it does not mean that they will not contract it in the future or that it is safe to continue consuming artificial sweeteners. Some smokers do not contract lung cancer, for instance, but that does not mean it is safe to adopt a smoking habit.

I am not sure if this question is a personal question or a question you are supposed to write a response to on an assignment, but if you are concerned with the health risks of saccharin, you should consult your doctor or personal healthcare provider.