It's still pretty unfair for those young males that are very careful drivers.
Do they?
Two equivalent ways of approaching the problem: Risk is the same for everyone and decreases with age OR risk stays the same for every member of the population throughout their lives.
What's interesting with fatal car crashes is that they can happen only once in a driver's life (you can't die twice). So when looking at an age cohort, the young male who dies at 18 can't die again at 36 and is therefore going to be excluded from his age cohort.
Now the question is how could we predict the individual risk level (parent income? Education? Zip Code? Race?). Doing it accurately would probably be illegal, so we accept that the young careful drivers will just foot the bill for everyone.
I would be curious to see the numbers on this.
Wow, no.
If the data shows that 'people of certain groups are more likely to cause damage' it's 'game over' ... they could never release the data.
In fact, they probably don't want to even see the data, internally, it's explosive.
There would be a big fuss over it, and maybe even some court cases.
"if anything bad happens to your home then we got you."
AirBnB can't afford to cover you getting raped or killed by someone staying in your home.
People on this thread have misrepresented the issue by focusing on rentals as though they are commercial spaces, but a significant portion of rentals are merely places in people's home which is a giant difference.
Moreover, what sane person would trust a giant corporation to support them in the event of some kind of severe or traumatizing thing, let alone just property damage?
I almost wonder if the 'rent a room in my home' should be a completely different line of business from apartment rentals.