Yes true. I was just trying to demonstrate a point, and it's easier with absolutes. The real world scenario is that a combination of better startistics/ML, and

Yes true. I was just trying to demonstrate a point, and it's easier with absolutes. The real world scenario is that a combination of better startistics/ML, and access to a lot more data moves us increasingly closer to that world where medical insurance doesn't make any sense. Insurance works for unknown/unknowable situations. Spontaneous combustion insurance is cheap because it could happen to anyone.