Bookwyrm627: Efficient use of resources means targeting crime prevention efforts at the areas where crime is more likely to occur.
dtgreene: Actually, in this case, efficient use of resources means targeting crime prevention efforts at the areas where crime has actually occurred more often.
Bookwyrm627: Charging more for insurance: This is all about identifying where the payouts are more likely to occur (or larger). Young drivers routinely have higher premiums. This is not ageism since stats tend to show that young drivers are more likely to incur costs. Are there insurance pools based on ethnicity?
dtgreene: Actually, I would argue that that is ageism. Even if young drivers *are* more likely to get into accidents, I consider it unfair to penalize all young people for that sort of thing.
Also, don't forget the practice of charging different premiums for men and women, which IMO should be illegal (for all insurance types). It's especially problematic when insurance (or anything else) discriminates against someone for being the gender that the person doesn't even identify with in the first place (or, for that matter, against being transgender).
For instance, according to an article found with a simple google search, muslims are more likely to experience death anxiety than other religious groups. Should they have to pay more because of that? Similarly, I could mention that people of Jewish heritage are more likely to carry certain mutations that can lead to genetic diseases; should they be penalized because of that?
Its called personal responsibility. Facts are stubborn things (John Adams). You pay more because you cost more. That is fair. Charging all people the same amount regardless of cost factors is irresponsible and unjust.
I am a 65 year-old, chain-smoking, alcoholic, 320-pound obese male who has had 2 heart attacks, kidney failure and replacement and chemo for a bout of cancer. I should pay the same amount as a 27 year-old, non-smoking, non-drinking, physically fit and active 185 pound male with no previous medical conditions.
No. The answer is no.
As far as muslims experiencing highest death anxiety - well stop beheading each other, stop strapping bombs to yourselves and your 7-year-old kids, stop flying airplanes into buildings, stop driving trucks into crowds, stop stoning each other. Basically, stop being a muslim and try being a human.