I think that people are afraid of conditions that one can't control, and are correlated with negative characteristics. Lets say that I am male, and am young. L

I think that people are afraid of conditions that one can't control, and are correlated with negative characteristics. Lets say that I am male, and am young. Lets say that as a young male driver, I am likely to be a cause of an accident 20% of the time i.e. 1 in 5 young male drivers will cause an accident. Lets say as a young female driver, I am likely to be the cause of an accident 5% of the time. So on the face of it, young male drivers are riskier, and should pay appropriately. But lets say there was another measurable factor, such as a 'recklessness' score, which describes how recklessly you behave. And lets say that if you are 'reckless', you are likely to be the cause of an accident 90% of the time. And the maths works out that if you take the 'not reckless' group from men and women, they are equally likely to be the cause of an accident, i.e. there are more reckless men than women. If you were to take the stats at face value, then a good proportion of people are being over and under-charged, because you are using a proxy measure rather than digging deeper for a root cause/don't have the data available. I think this is exactly what people are afraid of, businesses/people being lazy and making assumptions that are correlative, based on characteristics that one can't change.