Lots of negative comments here, which is understandable given the problem. There's a company that has demonstrated success in one of these areas and is working

Lots of negative comments here, which is understandable given the problem. There's a company that has demonstrated success in one of these areas and is working on another. The trick is using behavioural economics to get customers to change their behaviour. If they won't work hard for health, make them work for karma, which they can use for real-world benefits. They get widgets, they get healthier as a side-effect, the insurance company benefits. https://www.discovery.co.za/vitality/how-vitality-works https://www.discovery.co.za/vitality/how-vitality-works