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Yes, it is obvious, hence my comment. Using correlation as a stand-in for causation is stupid.

Why should an insurance company care about causation?

I never said insurance companies should care about it. Obviously some folks do care about it else this article would not be on the front page of HN, since the entire premise is "correlation may not be a good way to discriminate!!"

But does that mean that causation is a good way to discriminate or that the article is claiming anything like that?

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