Being able to know someone's risk factor would be important for how we treat elderly people. I know someone who is 85 and super sharp (previously worked as a corporate accountant and banker), they still have a better memory than a lot of 40-50 year olds, and yet they are constantly harassed by eldercare "agents" for the state because whenever they make a investment decision that is even slightly questionable they get reported to the state by the bank. Sometimes the bank refuses to authorize transactions. If they could conclusively prove they aren't at risk I think they would be left alone much more often.