Which of these two is more creepy?

Deemly
Deemly

This company aggregates your reputation from various online sources to create one single score. Just like the Chinese government is doing. These reputation systems amplify social pressure, leading to an increase in censorship and risk avoidance.

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VS
Friendsurance
Friendsurance

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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