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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This company creates detailed psychological profiles from your data, and then uses that to influence elections. They know what messages you will be most susceptible to. They worked on the Trump campagne.

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