I&#x27;ve thought about this since my post, and I think a better term for the concept I intended, would be &quot;risk assessment accuracy&quot;.  That is, you can increase RAA, but at the cost of a loss of some privacy -- that&#x27;s the dynamic I was describing.<p>But I still think it&#x27;s fair to call someone a freeloader if they deliberately get mixed in with a low risk class while knowing they&#x27;re higher risk.<p>Edit: And you&#x27;re right, that in the case of perfect RAA, the concept of insurance breaks down because it means you know people either will or won&#x27;t experience the insured event.