I feel quite ambiguous about these discriminating techniques. For example, it is okay for us to give females / older people lower insurance rate because that's

I feel quite ambiguous about these discriminating techniques. For example, it is okay for us to give females / older people lower insurance rate because that's what the statistics says. Likewise, it's likely that people who search for privacy-enhancing software are more likely to engage in "subversive" activity. So it's hard for me to determine which kind of discrimination is justified and which not.