All of that does not matter one bit to an insurer. If what you think (or what someone manages to measure of it) can be used to predict damages better than witho

All of that does not matter one bit to an insurer. If what you think (or what someone manages to measure of it) can be used to predict damages better than without the data, that allows the insurer to offer those with predicted lower risk a lower premium and thus gain them as customers. It doesn't matter that you possibly know that you would never follow through--if people who think about murdering other people on average are more likely to actually do so and they cannot distinguish between those who do follow through and you, it is rational for them to put you in the same category.