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Car insurers have to place everybody in the same age group into the same bracket by default. They can't penalize for something unrelated to actual historical performance of the individual situation(like type of car, zipcode, etc.).

The danger with allowing these kinds of "AI" models is that they will become instances of parallel construction: "We don't want to insure people who are <X>, so construct a model until it coughs up a surrogate to <X> at a 95% probability."

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