Insurance
at what point does insurance stop being a cost pool spreading risk? If it's finely tuned to me as an individual driver maybe it's cheaper for me to not have insurance coverage beyond the basic required by law.
Targeted charging for younger drivers seems to have reached the point of stopping people driving, which is going to do wonders for the profits of insurance companies in the future, though when we have driverless cars that's going to make the insurance situation interesting.
Biting the hand that feeds IT
