Yes, it's very much like "adverse selection" in insurance; @pdimitar mentions some specific cases of it, but I think the most general might be "speciation" or "

Yes, it's very much like "adverse selection" in insurance; @pdimitar mentions some specific cases of it, but I think the most general might be "speciation" or "group selection".[1] I'm not sure of a non-biological term. [1]: https://en.wikipedia.org/wiki/Reinforcement_(speciation) https://en.wikipedia.org/wiki/Reinforcement_(speciation)