Not denial, but businesses classified as for profit are certainly within moral rights to claim risk appropriate premium. Insurance companies have to toe the th

Not denial, but businesses classified as for profit are certainly within moral rights to claim risk appropriate premium. Insurance companies have to toe the thin line between a business and a social good. With prediction models to become more and more accurate I would be happier if we have non-profit insurance that amortizes/socializes the draw of the lottery. For voluntary choices of risky behavior, drug addiction, unsafe sex, etc etc., I think insurance companies are within their rights to charge more.