Imagine this scenario: You are a homeowner and have been penalized by your insurance carrier with higher premiums because you have engaged in routine maintenance of your property, such as keeping the gutters cleared so as to prevent water damage.
Or consider another scenario, where you are a car owner and your insurer increases your rates because you have been carefully following the owner’s manual suggested maintenance schedule for the vehicle.
In both of these examples, the logic behind these scenarios is counterintuitive, counterproductive, and yields undesirable outcomes.
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