[anonymars]

I'll join in to proffer that where they lack, it's often exactly the sort of thing you describe: some externality is missing in the price

[infecto]

Agree but better than the system we have today. There will always be issues with it but I think on average it would better incentivize hiring lower risk employees.

[anonymars]

I'm agreeing with you: it would essentially be applying a missing cost to the current externalities

[infecto]

Yes, I was agreeing with you and just saying differently that no system is perfect but it would attempt too price as best as possible.