"If you don't pay for it, you are the product". Facebook creates detailed profiles on both its users and on people who don't have an account. It's a dream come true for any spy agency: the world's biggest people database, where people report on themselves and on each other. Their algorithmic newsfeed has a huge influence on how its users see the world, allowing companies and governments to manipulate their perception, and even their mood.

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You get a better deal on insurance as long as you and your friends don't make any claims. This increases social pressure to not make claims, which could lead to bad situations. Secondly, a core idea behind insurance is solidarity with those less fortunate. Segmenting the market could mean higher premiums for the poor.

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