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I can easily imagine health insurance companies refusing coverage or charging exorbitant rates to people because they know about your DNA and what diseases you might be susceptible to...

That's illegal...

https://en.wikipedia.org/wiki/Genetic_Information_Nondiscrim...

And if it wasn't illegal then insurance companies would simply just demand DNA before underwriting your policy.

"Why would you want that? Apart from the very clear and obvious reasons that is."

Why do I always see this sort of question phrasing on this site in particular?

The very clear and obvious reason being to protect yourself from criminal punishment? Yikes.

Do you derive your sense of morality from what's legal/illegal or something? Of course one should want to protect themselves from criminal punishment.

Or would be physically present sometime around the time of a crime... or if the FBI wanted to frame someone they thought of as a subversive....