You get a better deal on insurance as long as you and your friends don't make any claims. This increases social pressure to not make claims, which could lead to bad situations. Secondly, a core idea behind insurance is solidarity with those less fortunate. Segmenting the market could mean higher premiums for the poor.

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Find out if your child has the genes it takes to become a top soccer player. The data they gather about your DNA could end up in a lot of places, and severely affect their future chances in, for example, the job market.

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