I'll join in to proffer that where they lack, it's often exactly the sort of thing you describe: some externality is missing in the price

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infecto 10 hours ago | parent [-]

Agree but better than the system we have today. There will always be issues with it but I think on average it would better incentivize hiring lower risk employees.

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anonymars 9 hours ago | parent [-]

I'm agreeing with you: it would essentially be applying a missing cost to the current externalities

	▲	infecto 9 hours ago \| parent [-]
		Yes, I was agreeing with you and just saying differently that no system is perfect but it would attempt too price as best as possible.