This is all true. I don’t think I’d like paying more for debt because others routinely default on theirs. I’ve always been judicious with the debt I take on, an

This is all true. I don’t think I’d like paying more for debt because others routinely default on theirs. I’ve always been judicious with the debt I take on, and that has benefited me by allowing me to access the cheapest credit and no-deposit utilities. All that being said, I do appreciate that centralized scoring can go too far. And I don’t have the answer for where a line should be drawn. Or how far back in time the scoring should assess. (BTW, it’s generally 7-10 years I believe, which is pretty short) How is auto insurance handled where you are? How would you feel about no-fault insurance rates where every driver pays the same amount regardless of risk?