> The way this is being interpreted is as if people will respond to an extreme degree to any incentive whatsoever, and they will choose the worst response to th

> The way this is being interpreted is as if people will respond to an extreme degree to any incentive whatsoever, and they will choose the worst response to that incentive automatically. The interpretation is that (for most people) regular and consistent incentives/punishments at frequent intervals are more habit forming than irregular incentives/punishments that occur rarely and randomly. If people were capable of internalizing that they had to drive safely to avoid having their insurance go up, then what would be the point of these boxes? Why introduce the reward/punishment structure at all if insurance premiums on their own are enough to influence behavior? Frequency/predictability are hugely important for habit forming. A box that beeps at you every single time you brake too hard is a more effective punishment than a random insurance premium increase. Honestly, the premium risks are kind of irrelevant in both cases -- getting immediate negative feedback every time you brake is the problem.