> If all your neighbors play extreme sports or drive drunk all the time, would you like to pay the same premium as they do in the same insurance pool?
Yes, because choosing otherwise opens the door to discrimination based on many factors, many of which can be completely out of our control.
What if you're working a job with a non-insignificant risk of danger - should your premiums be higher? After all, you chose to work in that profession and to put the last 20 years of your life specializing in it. You should've just chosen differently...
What if you're living in a neighborhood with a high crime rate - should your premiums be higher? After all, you chose to inherit the house and live there and put the last 20 years of your life building a home and a social network there. You should've just chosen differently...
What if you're shortsighted which makes you more of a danger in traffic - should your premiums be higher? Maybe you didn't choose to be shortsighted, but you could change it with a laser surgery or whatever, and afterall, we're just following the model...
What if you're black - should your premiums be higher? Maybe you didn't choose to be black, but statistics show that black people are significantly more at risk of being victims of violent crime. And after all, we're not being racist, we're just follow the model...
Et cetera.
If you allow insurance companies to discriminate, eventually, everyone who isn't following the "safe path" will be discriminated against. At that point, the insurance stops being merely an amortization of unpredictable cost, and becomes a tool to control the population.
