Right, but there are presumably people at all levels of risk, not just risky people who pay a premium vs non-risky people who don't. Reduced variance is good f

Right, but there are presumably people at all levels of risk, not just risky people who pay a premium vs non-risky people who don't. Reduced variance is good for landlords too, so there's definitely an incentive to accurately predict and make granular the risk profile/credit check/etc.