Yeah I don't have a good answer either. I tend to take a more pragmatic approach, as opposed to a moral one, asking myself, what behaviour do we want to encoura

Yeah I don't have a good answer either. I tend to take a more pragmatic approach, as opposed to a moral one, asking myself, what behaviour do we want to encourage? "Discriminating" based on intelligence => meritocracy => probably good. Young men subsidising pregnant women => possibly good (for Western nations at least). What does discriminating of car insurance do - no idea, possibly discourages men from driving and driving recklessly, but the effect is probably minimal and might not even be there, so...