Yes: see redlining, racial profiling, etc. All of these can be "justified" by appealing to measured risk, but we consider them very discriminatory from both an

Yes: see redlining, racial profiling, etc. All of these can be "justified" by appealing to measured risk, but we consider them very discriminatory from both an ethical and a legal perspective. Think about it, though - what is really being measured? Maybe there's a small subset of super high-risk male drivers who the rest of us are subsidizing. If they were to base my insurance rates on measurable individual characteristics, that would be much less suspect IMO.