You're arguing this time they got it wrong despite not actually sharing any evidence. Understood. Your gut and vapid speculation of internet commenters is infal

You're arguing this time they got it wrong despite not actually sharing any evidence. Understood. Your gut and vapid speculation of internet commenters is infallible unlike these supposed insurance companies. Which is funny, because even the idea these rates are being set higher is nothing but speculation in internet comments. I agree they probably get some things wrong, but I think they probably get things right more often than not when it comes to analyzing risk. I wouldn't bet against the insurance companies on any random thing, even though I acknowledge they do make some mistakes. Chances are the insurance company understands the generalized risks on whatever they're underwriting more than I do. If nobody was actually making claims for shrink, you really think the insurance companies would jack up the rates or require cabinets? It wouldn't just come from nowhere. And it's odd they only do it in some markets and not others. Around me there are no cabinets at Walgreens, CVS, Target, Walmart, and the other retailers mentioned in these comments. Obviously there's some level of targeting here going on, I wonder what data point they'd use...hmm...