See footnote [2], and the problem is that (as with driving styles) there may turn out to be a correlation between how often you think about murder and how often you do it, which can be used to calibrate insurance-risk premiums.<p>Sure, not every thought about murder leads to murder, and not every red light you run leads to an accident.  But people that run more red lights have more accidents, and people who think about bad things more (let&#x27;s posit) will do more bad things.<p>&quot;Oh, you only think about murder 3 times a week? Discount!&quot;<p>Still ready to let your thoughts about Suzy get archived on some hard drive?