I think OP's point is more than just "what if it is less than optional". Scarier than "a future where it will be impossible to get affordable insurance if you

I think OP's point is more than just "what if it is less than optional". Scarier than "a future where it will be impossible to get affordable insurance if you opt out" is one where we get arrested/fined/penalized for making "too many hard stops" (whatever "too many" is, whatever a "hard stop" is and regardless of whether or not having "too many hard stops" makes you an unsafe driver). We should be wary of Big Data because it is all too easy for people in control to report data that supports whatever theory they are trying to prove.