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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Peeple is an app to rate the people around you. The makers assume people will be sincere, honest, and nice to each other, while the truth is these systems amplify the most judgemental parts of ourselves. They "want character to be a new form of currency", which assumes that our character is something we can completely change if only we did our best, ignoring all environmental factors.

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