> That is, acknowledge the fact that Armenians may crash more, but give them a government subsidy to offset the higher premiums I'm just incredibly impressed t

> That is, acknowledge the fact that Armenians may crash more, but give them a government subsidy to offset the higher premiums I'm just incredibly impressed that you came up with a way to make this sound even worse.. can you imagine the government giving subsidies to Armenian drivers with good records because insurance companies are overcharging them due to the statistical performance of their category? A tax benefit for being an outlier from the mean? My god. Not only does that sound like a terrible idea, but intensely complicated to organize in the general case. And what happens when an individual is in multiple categories? What if only gay Armenians who listen to disco are the at-risk driving category? How do we aggregate the tax subsidies, multiplicatively, additively, ..? This sounds like an administrative nightmare, I congratulate you on your evil ingenuity.