In other words: There is no practically relevant difference between a prediction ability of 100% and 99.99999999999999999999999999999999%, which is exactly the

In other words: There is no practically relevant difference between a prediction ability of 100% and 99.99999999999999999999999999999999%, which is exactly the point I was making: There is is nothing magical about the 100% mark--free will or assuming perfect information is irrelevant to the problem at hand, insurance becomes asymptotically less useful the better risks are modeled and used to set premiums where the premiums cannot work as an incentive to avoid the risks in the first place.