If the net cost is lower, it will happen. It is unlikely that you (or I) will have much of a say in the matter (besides individual decisions) and it will begin

If the net cost is lower, it will happen. It is unlikely that you (or I) will have much of a say in the matter (besides individual decisions) and it will begin to replace parts of the system we don’t have influence over. Insurability, hiring decisions, risk based costing, customer support, and (looking like potentially) government agency interactions. I’ve just had an interaction with an insurer who used an ML based system to judge insurability (risk) and make recommendations (requirements) to me for immediate action or policy termination. Fascinating, and totally doable with today’s technology, but it makes me very uneasy. Anyway, it’s cheaper than hiring an inspector and it gave me some batshit recommendations- including removal of invasive plant material (vines on a trellis, looks great in July) and removing extensive roof debris (leaves, we live in a forest). My recourse is an extremely annoying call center hell, or get on the roof. Guess what I did. And I’m not getting a discount.