Car insurance applies to the skill of driving. And the part mandatory by law is third party insurance. So essentially, car insurance is not for your protection, its for the person you hit. The concept of owner's insurance is so you can also pay for your own car after running into a pole - this is optional.
Withholding financial goods from a person based on their social interaction is different from suspending their driver's licence because money is a need and is directly related to the very survival of a person. Money, in our society, is a very fundamental requirement; driving licence is not. So this idea imposes a very real threat on my very existence. And thats why its an infringement on my civil liberty.
Judging a person's financial aptitude based on their social actions is dangerous. Not to mention the fact that social interaction isn't currently scientifically quantifiable and so all the conclusions you draw from the data are essentially opinions of the experimenter, nothing more.
Withholding financial goods from a person based on their social interaction is different from suspending their driver's licence because money is a need and is directly related to the very survival of a person. Money, in our society, is a very fundamental requirement; driving licence is not. So this idea imposes a very real threat on my very existence. And thats why its an infringement on my civil liberty.
Judging a person's financial aptitude based on their social actions is dangerous. Not to mention the fact that social interaction isn't currently scientifically quantifiable and so all the conclusions you draw from the data are essentially opinions of the experimenter, nothing more.