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If people of a certain age, ethnic background or location are deemed to be ‘higher risk’ for some health issues or for unhealthy behaviours, and this is built into an algorithm that prioritizes ‘lower risk’ customers, then you are discriminated against if you share the same profile, no...
Now, I'm not saying you cannot beat the market, even in the long-term. It is entirely possible that you are one of those rare possessors of this skill and discipline. But this skill is so rare and so valuable that if you really do have it, it makes no sense whatsoever for you to...