Don't forget the banal in comparison "we've locked him out of hardware already installed in the car with a perpetual software license check"

Meanwhile Grocery chains: "lets buy that data so we know whats inconvenient for him at any moment and price accordingly"

More like "we can't prove he's driving in a way we like so we'll make him pay more for insurance"

Well if you're driving dangerously why shouldn't you pay more?