Insurance companies cannot use it. And if insurance companies in the future would be allowed to use it, they would require you to get DNA samples for your policy.
They don't use It, but they might use an aggregate of it it. Like google doesn't sell data, but it leaks it freely in the ad bidding process, it's technicalities all the way in this business i feel like.
Also, it's not about fascist regimes or not being a criminal, it's about databases getting hacked and ending up in the hands of scammers