[EdwardDiego]

Insurance premiums are based on massive tables of probable risks.

E.g., I'm a redhead living in the Southern Hemisphere who has been active in the outdoors all my life and who smoked for 30 years.

So to get insurance that paid out in the event of terminal illness, I had to either pay a massive premium, or agree to exclude melanoma and lung cancer.

Makes sense - redheads produce minimal melanin, and there is far more UV exposure in the Southern Hemisphere due to the ozone "hole" that forms over Antarctica every year and drifts north onto southern South America / southern Africa / Australia / New Zealand. So as a ginger who had spent a lot of time outdoors under a harsher sun, I'm definitely in one of the rows in that actuarial table that's coloured red in Excel.

(And smoking is self-evident).

Now, back to Tinder. Are they charging based on risk? No.

They're charging what people will pay. And I'm willing to bet that they consider a recently divorced 48 year old man is able to pay more, and if I'm being uncharitable, desperate enough to do so.

So your comparison is very much apples and oranges.

[nikanj]

Considering their size, their pricing is probably also based on data. They probably know scaringly well how big the ”risk” of you finding love is, and can price services accordingly

[EdwardDiego]

Hmm, you'd think then that they'd charge a higher price for younger, good looking people with the text "not DTF" in their profile then.

They're a) far more likely to find a partner and b) leave the platform when they do.

So higher "risk" of exiting the platform from Tinder's POV, so you'd want to get their money upfront, presumably?

Divorced men who are going to fat while balding, with 50/50 care of three kids and alimony to pay, aren't flying off the shelf.

So for Tinder, they're a low exit risk, and typically far more able and willing to pay for features that they think might aid them.

A 25 year old man in good shape, no kids, and starting out on a good career, is far less likely to _need_ the features Tinder charges for.

[nikanj]

It’s not the exit risk, it’s ”how likely are you to be desperate”. And they have real-time data on it, they know how long the average user views your profile, how often you match, etc