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What is it you think they’re doing now? You buy term life insurance when you’re young and healthy, you get a low rate. You buy when you’re older and have higher risks, you pay more. They have statisticians calculating your expected lifespan, and modern “AI” models are really just statistical models with larger datasets. It’s not really that unreasonable or new a concept.
Commerce is just the exchange of goods and services. If we all stop exchanging goods, in what sense would we have a civilization? What would you or anyone accomplish if you had to grow your own food, make your own clothes, build your own house…?