200 people a year die from nuts and peanuts in the US, therefore eating nuts and bringing them to social situations is &quot;quantifiably [risky] (to themselves, others, and the claims department) behavior.&quot;<p>There is a subtlety here in correlation and causation.<p>&gt;I&#x27;m sure there&#x27;s people out there that drive like maniacs 90%+ of the time and haven&#x27;t had an accident, but that doesn&#x27;t mean they aren&#x27;t significantly more likely to do so in the future.<p>It&#x27;s not &#x27;they&#x27;, it&#x27;s &#x27;their cohort&#x27;, and the apparent risk can be very sensitive to the level of detail and factors accounted for - such as nut allergies.<p>As long as we know the ruler IS bent - because we need some way to charge people appropriately for insurance.