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Car insurance providers discriminate against young drivers for similar reasons: you're more risky. I wouldn't entrust the care of my entire house to college stu
by awesomerobot 10y ago
Car insurance providers discriminate against young drivers for similar reasons: you're more risky. I wouldn't entrust the care of my entire house to college students.
- nilved 10y agoThere are a bunch of college students who own and care for houses that are better than yours.
- tlrobinson 10y agoFor many purposes it would be cost prohibitive to run detailed background checks on individuals to discover every relevant fact like that, so they rely on aggregates, which works well enough.
- Lawtonfogle 10y agoAnd when race is one such aggregate?
- awesomerobot 10y agoI'm sure there are, but it's kind of standard that most 18-21 year olds have only 1-2 years experience in an independent apartment/house. Just like 17 year olds typically only have 1 year experience driving. I wouldn't even rule it out entirely, you'd just need references (a decent rating). The same age group is faced with similar problems renting apartments because they often lack credit ratings and previous references.
- millermp12 10y agoYou can say that about blacks (esp males): they're more risky. Just because you're not supposed to look at those actuarial tables, doesn't mean it's not a statistical reality.
- awesomerobot 10y agoMaybe the car insurance example was bad, but I think the situation is a little more complex than pure statistics. The US has a very long history of racism against minorities. It's been difficult to get a strong system in place to combat racism. Ageism against young people has a built in correction system called aging.
- oh_sigh 10y agoBut what if black people at any age are more costly investment than white people at any age?
- prmph 10y agoBut is that not what the review system is for? What prevents a host from reviewing potential guests' history on a case-by-case basis to determine their level of risk?
- deleted 10y ago[deleted]
- exolymph 10y agoBlack men are more risky because of a history of systemic racism forcing them into situations where they need survival and status systems outside of the law. Young people are more risky because young people are impulsive and stupid. So it seems appropriate to treat these two things differently.