We can't make a claim either way without empiric evidence.
We do, however, have plenty of empiric evidence for how the current pricing mechanism works and based on that I figure it might be time to try something new?
Current pricing (as a system) is honestly pretty good, its largely the limitation of corporate liability that permits the scale to be out of balance.
Current pricing (as a system) is honestly pretty good, its largely the limitation of corporate liability that permits the scale to be out of balance.