A credit scorer and databroker that has not only created intimate profiles on people, but had such poor security that in 2017 their databases were hacked. Sensitive data on millions of Americans is now out in the open.

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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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