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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Can you boil someone down to a single score? Upstairs.me wants us all to rate each other. On top of that, they want to store all this in a blockchain, so they are less accountable, and it will be impossible to really delete any data. This will invite abuse and create incredible social pressure which will lead to a culture of self-censorship. This violently ignorant startup is probably illegal in the EU.

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