[hkai]

One interesting approach would be to actually charge less risky people less, and "safe" people more, as a way to equalize various groups in the society. Once this has enough traction, doing it the other way round could be even stigmatized.

[elpakal]

but if you charge 'safe' people more, aren't you encouraging them to not be 'safe'?

[umvi]

"subsidize what you want more of, tax what you want less of"