5 ms·

So, what's your proposal? What should insurers be doing differently?

• mschuster91 8mo ago
  Operate like they did before they had access to surveillance technology that would have made Gestapo and Stasi blush
  • cucumber3732842 8mo ago
    This. If you're nearly "perfectly" pricing risk on an individual level then you defeat the point of insurance which is to pool risk. If my hypothetical cost over an N decade period is within a fraction of a percent of payouts in that time what do I gain by paying for insurance other than creating a principal-agent problem?
    • shepherdjerred 8mo ago
      You’re mad the insurance companies are charging you what you owe? You do have the option to self-insure.