[actuary]

If the article were instead devoted to exploring the application of similar programs in a different context, perhaps it would have been named "Drive Safe or Else: How Car Insurance Companies Became Obsessed with Tracking Your Speeding Tickets".

There are clear benefits to charging insureds in proportion to risk, especially controllable risk. But of course these benefits need to be weighed against potential negative impacts. There's some discussion here about how to strike the right balance. It may be comforting to learn that actuaries, who design these risk classification programs, and regulators, who monitor and approve them, aren't just making this up as they go along. We're guided by principles, a basic summary of which [0] covers some of the topics discussed in this thread. Of course this only scratches the surface.

[0] http://actuarialstandardsboard.org/wp-content/uploads/2014/0...