There is a situation in relative poverty where you become so risk averse you end up paying outsized prices for things because you can't afford the risk of a cha

There is a situation in relative poverty where you become so risk averse you end up paying outsized prices for things because you can't afford the risk of a change. If this person lost his ability to drive based on not being able to get insurance, challenging the insane amount he is being charged is just too much risk. Who knows what kind of events have occurred in his credit history, personal life, social media, or other reputations where he doesn't believe he can get insurance again if he applied. It's a don't rock the boat mentality when you are at a disadvantage. Reality is, big data makes life utterly dystopian for many people. It was foreseeable, predictable, and as a society we let it happen.