There’s a difference between the owner having telemetry on their own car, and the manufacturer having telemetry on the cars they’ve sold. One is taking care of your assets, and the other is spying on customers.

Are you saying that not monitoring e.g. heart rate constantly through some electronic device that sends the data somewhere (let’s assume somewhere under my control) is negligence?

‘Telematics’ is not how the word ‘insurance’ is spelled. Anyone that owns an uninsured car or home that cannot afford to replace a total loss or hundreds of thousands of dollars in medical bills in the case of a major accident is negligent. Anyone without wealth lacking health insurance is negligent.

Having sensor logs of the space temp and CO2 ppm in your house when it’s burning down isn’t going to help you at all.

Car telemetry might help diagnose car issues, but I’m not aware of manufacturers using it that way, I’ve heard plenty about selling location data and driving habits.

Constantly monitoring your heart rate and blood pressure sounds like a good way to develop hypochondria.