Competition and free market is not always the best solution to all the problems. In this case, what if all insurance companies are allowed to build such profile

Competition and free market is not always the best solution to all the problems. In this case, what if all insurance companies are allowed to build such profiles? They all rely on that creepy data hoarder that built the shitty profile on you. In that case the companies will compete to give you competitive yet higher than others quotes to YOU(as they can see).