The problem with utopian ideals is that they are often open to abuse by immoral individuals. We should be careful we don't make ourselves more vulnerable in our

The problem with utopian ideals is that they are often open to abuse by immoral individuals. We should be careful we don't make ourselves more vulnerable in our quest for efficiency. However, I doubt that it's fear of insurance companies (by which I assume you mean medical insurance) that is holding back society from totally transparent world. The EU has stricter privacy laws than the US, but also has universal healthcare.