> It seems odd to criticize an insurance business for giving lower pricing to people who are less likely to use the insurance. It looks naive to assume that,

> It seems odd to criticize an insurance business for giving lower pricing to people who are less likely to use the insurance. It looks naive to assume that, together with the infrastructure costs and the running costs for this system this for-profit business wants to make less money. What would the selling discussion have looked like? "Hey I have a system here that will make the most credit worthy clients pay less. Interested?"