>But everyone insured has a financial incentive to prevent other insured people with the same insurance from doing risky stuff. First off, that's a really, rea

>But everyone insured has a financial incentive to prevent other insured people with the same insurance from doing risky stuff. First off, that's a really, really short road to hell you're paving there. Second, JFC, we're not even talking about hard drugs or motorcycles here. At scale the "cost" of phones are likely a rounding error compared to stuff everyone agrees is bad or high risk. If that is worthy of intervention on behalf of the insurers then you might as well give up any hope of day to day autonomy because surely every other decision is worthy of intervention too.