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Maybe the car insurance example was bad, but I think the situation is a little more complex than pure statistics.

The US has a very long history of racism against minorities. It's been difficult to get a strong system in place to combat racism. Ageism against young people has a built in correction system called aging.

But what if black people at any age are more costly investment than white people at any age?

But is that not what the review system is for? What prevents a host from reviewing potential guests' history on a case-by-case basis to determine their level of risk?

Black men are more risky because of a history of systemic racism forcing them into situations where they need survival and status systems outside of the law. Young people are more risky because young people are impulsive and stupid. So it seems appropriate to treat these two things differently.

So why are men more risky than women, over their entire lives?

It's almost like there can be different reasons for behaviors that seem parallel on the micro level...