A: Because once the information is available, a vendor will figure out a way to discriminate against you because of it. It's not even evil on their fault. They're actuaries. They're just using the best data available to them to maximize their profits and minimize the costs to their customers. Statistically speaking, the ghetto kid gone good is at a greater risk of running into financial difficulty than a WASP from Grosse Pointe who went to Exeter. The actuaries are just putting numbers to it. Genetic predisposition to breast cancer? Well of course you should pay higher insurance rates. That's just logic. The problem is this: Anything with a "rate" is a probability calculation in which the vendor is making a profit based on the risk he's taking on the recipient. The recipient feels he has a right to equal treatment while the vendor feels he has a right to discriminate. Until the government steps in and says "you're not allowed to know this" any vendor who operates on a statistical playing field is going to say "you'll get a better rate if you pee in the cup." I could probably get a better rate if I let Progressive lojack my car. But I'm not about to. Know why? Because fuck them, that's why.