Interesting. One issue I can see is that the service would likely provide tell-tale signs of it being used, either because of implementation flaws or just havi

Interesting. One issue I can see is that the service would likely provide tell-tale signs of it being used, either because of implementation flaws or just having a totally fuzzy purchasing pattern is itself a very distinct indicator. Insurance companies could then run risk profiles on people who use that kind of service, and it's possible/likely that users of that service would be unhealthier than average, resulting in higher premiums. Then the most healthy users of the service would face strong incentives to not use it, which further drives up its associated risk.