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> We need regulation in place to stop any punitive decision making, public and private, which can be found in court to be based on correlation instead of causation.

Actuarial analysis for insurance to exercise a privilege (i.e. driving) is not something that needs to be more heavily regulated. This is not health care/insurance, food, housing, or other critical necessities.

Correlation is a core part of actuarial science. You'd actually destroy the insurance business if you regulated that into nonexistence as you desire.

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