The list of Uber's unethical practices is long: showing fake data to regulators, requesting and then cancelling rides at their competitor Lyft, rampant sexual harassment, repeatedle ignoring local laws, claiming their workers are contractors, and generally contributing the the rise of the 'precariat': people who make little money and have very little job security (a situation that breeds extremist thought).

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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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