Earlier quoted context omitted.
The whole idea behind insurance is that the unlucky ones who require more care than average have their costs covered by those who require less than average. Taxpayer funding systems are literally the same thing. Yes you can get cheaper premiums by living healthy, but how far do you want to go? Are you going to let your insurance company log everything you eat and how many steps you walk every day? Seems much easier t…
When I got my driver's license at age 17 (or possibly the learner's permit? I forget), we learned that the car insurance company would reduce the premium for me if we regularly submitted them some kind of proof that I was getting good grades. It's possible this was some kind of "public-service program to encourage desired behavior", but I suspect that at least part of why they did it was because straight-A students a…
1. It was probably a tax write off.
2. It was probably also both a community service project AND a reflection of lower expected insurance payout.
3. Maybe the straight-A students are correlated with insurance payers that would rather pay the repair known 1-off payment (or skip doing anything at all) vs the unknown recurring increase in insurance payments?
(Source: drove a dented-up pickup for over a year after a short romp along/into an orchard)