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Big Brother's Pizza Delivery

Dusty Rhodes writes: "Lexis/Nexis, providers of massive database information services mostly to media, legal and law enforcement organizations, is hyping their new database service, BatchTrace, to track fugitives and deadbeats. In addition to cataloging common info such as census records, driver's license records, etc., this database includes pizza delivery records, tech support call records and grocery store discount card records. Who knew you'd need an alias to order a pizza? Pretty funny/sad stuff in the Land of the Free. What's next, a national pizza delivery ID, complete with thumbprint and DNA sample? Thanks to Britt Sandusky for pointing us to this story."

40 of 82 comments (clear)

  1. I can see it now . . . by vegetablespork · · Score: 2, Funny

    . . . sorry, Mr. Smith, no pizza for you this evening; the credit card charge has been diverted to the State for your back child support payments.

    --

    Call (206) 338-5780 COLLECT for information about a genuine BA, BS, MA, MS, MBA, or Ph.D.

    1. Re:I can see it now . . . by Hard_Code · · Score: 3, Interesting

      That's less funny if you replace "back child support" for "estimated movie/music piracy".

      --

      It's 10 PM. Do you know if you're un-American?
    2. Re:I can see it now . . . by PhxBlue · · Score: 2

      Agent Smith has kids? Who knew?!

      --
      !#@%*)anks for hanging up the phone, dear.
  2. Financial Profiling, anyone? by dpilot · · Score: 3, Interesting

    When "Big Brother" and "Pizza Delivery" come together, normally some sort of obligatory reference to Snow Crash is required.

    But in this case, there's actually something interesting to be questioned. The subject article comes from the credit history angle, for purposes like trying to locate deadbeats. But take the more sinister view and add "financial profiling." How about checking takeout orders, but instead of looking for pizza look for Halaal food? Of course only sleeper-cells would order take-out Halaal. (for Halaal, think Kosher, only for Muslims)

    --
    The living have better things to do than to continue hating the dead.
  3. In other news today by codexus · · Score: 2

    The dangerous escaped convict, Codexus, was arrested after he made the mistake of ordering his usual Sushi, Banana, Oignon, Extra-Cheese pizza. He was the only person in the BatchTrace database to have ever ordered that kind of pizza and the system was able to immediately alert the police.

    --
    True warriors use the Klingon Google
  4. Again, use cash, folks! by Deagol · · Score: 3, Informative
    My local grocery (Albertsons) recently began pushing their Member cards. They get pushed hard at the checkout counter, and each time I kindly refuse. In fact, I use Albertsons over Smith's because the latter had higer prices but had the cards to make you think you were getting a deal. Now, they're nearly the same. I've tried to be up on the price changes at Albertson's. If the prices aren't increasing slowly, there sure is a psychological impression that they are.

    People give me an odd look when I tell them that I live a mostly cash-only lifestyle. Each paycheck I withdraw all but the small amount which goes on a credit card. No before you call me a hypocrite, I use the CC for transactions that are already recorded, no matter how I pay (savings bonds purchases, paying bills, etc.).

    However, I always use cash for gassing up the car, for normal retail purchases (food, hardware supplies, elecetronics/software, etc.). For mail order and some bills I use USPS money orders. At least with money orders, my bank doesn't know I paid $55 for last month's water bill even if the water company does. That's just one less piece of information some company can exploit.

    It's getting bad out there. I was alarmed when I bought a DVD player at Wal Mart and they entered the serial # into the register!

    It's revelations like this story that make me glad I tolerate the odd looks for my perceived "odd" behavior. Some day, one of you discount card users is gonna get a notice from your health insurance about a premium increase because they know that you buy a gallon of Rocky Road icecream every week. Trust me -- it will happen some day!

    1. Re:Again, use cash, folks! by Eagle7 · · Score: 2

      On a related note, one of the grocery stores near me has started to enter in your Driver's License ID# instead of your age when you buy beer. I still bought the beer, but I think I am going to switch stores (or refuse to let them enter it first and see what happens). I don't know if I want that being tracked.

      --
      _sig_ is away
    2. Re:Again, use cash, folks! by moncyb · · Score: 2

      That is why I'm not going there anymore.
      I went to Albertsons last night, and I noticed
      their prices have doubled! Nor do I want a
      tracking card!

      I wonder how long it'll be until
      all grocery stores have tracking cards that
      demand to know your driver's license and SS#.
      Hmm...with so much information, I wonder if they
      are building databases so they can commit some
      identity theft...

    3. Re:Again, use cash, folks! by Analog+Penguin · · Score: 2, Informative

      Yes, I have already posted this in another thread, but it's certainly applicable here as well.

    4. Re:Again, use cash, folks! by Deagol · · Score: 2
      There is such a huge demand for anonymous transactions (think gambling, drugs, prostitution, privacy nuts like myself, etc.), that I highly doubt that it will ever go away. Even our senators and congressmen need to get laid while they're in D.C. or running the campaign trail. :)

      However, if US currency does become solely an electronic and trackable medium, I'm almost certain a replacement will quickly find its way into circulation. Perhaps even good old barter.

      Earlier this year when that South American country's currency went down the toilet (Brazil, maybe?), people started using some kind of tickets or vouchers since the real currency was worthless. I heard this on NPR, but I don't have a reference handy.

    5. Re:Again, use cash, folks! by glitch_ · · Score: 2

      This is actually a way to check for fake ids. Basically the people who make fake ids don't use a real drivers license number, or they use the drivers license number of your real id. I'm not sure if your birthdate is coded in your drivers license number or if they lookup the drivers license number and query your age from a database. Anyway, I got this information from the Secetary of State for Illinois. I had to sit in on a class that taught you how to check for fake IDs, since I would be serving alcohol at a fest in town, and the lady mentioned that next year we would be using terminals that will check the driver's license number.

    6. Re:Again, use cash, folks! by Bartab · · Score: 2

      That's odd, the Alberton's around here (California) made a big deal about getting rid of the Luckys cards when they bought them. Their in-store advertising still presents them as superior to Safeway due to the lack of a card.

      --
      Any sufficiently advanced technology is indistinguishable from a rigged demo.
    7. Re:Again, use cash, folks! by BitGeek · · Score: 2


      I agree, and I'm right behind you. Paying cash more and more.

      We use the grocery store cards because we filled out bogus info on them (or in one case never turned in the form, just got the card.)

      But it occurs to me that they may correlate this with using the banks card to track us. I trust the bank though-- its not a bank, but an association that has a credit union. No shareholders to keep happy- just depositors. I'm all for market and capitalism, but my exercise of the free market choice I have is choosing a non-commercial bank. Plus I got screwed over by commercial banks too many times.

      The problem is, the feds are starting to crack down. Any time you spend $5,000 they have a form you have to fill out. Pretty soon this will be $1,000. So they are starting to track significant transactions directly. (Say buying a car. Another thing I don't use is the credit system- fraudulent from the get go, and the feds have made it impossible to protect your rights in that area- they can say whatever they want about you and as long as they respond to your correspondence within 30 days you can't do squat.) The car dealership is gonna want you to fill out the federal form when you plunk down $15k for a new car... but then, why spend that much when you can get 7 perfectly good toyota carollas for that kind of money?

      But I digress... there always is private car sellers who are happy to take travellers checks or money orders... and you can get these without showing ID, IIRC.

      When money is outlawed, only outlaws will have cash.

      --
      Yeah, and you guys panned the ipod too: http://apple.slashdot.org/article.pl?sid=01/10/23/ 1816257
    8. Re:Again, use cash, folks! by gilroy · · Score: 2
      Blockquoth the poster:

      Some day, one of you discount card users is gonna get a notice from your health insurance about a premium increase because they know that you buy a gallon of Rocky Road icecream every week. Trust me -- it will happen some day!

      Indeed, I'm counting on it. Whenever these stories hit, I am secretly glad ... because eventually, some company is going to cross the line and do something that pisses off Joe Sixpack and Jane Q. Public. And then we'll see the needed cultural and legal reaction.


      Face it. In an Internet-linked society, privacy is gone. We need to stop pretending we can maintain it and start discussing, rationally, how to provide the transparency that is the only remedy for the Panopticon.


      By the way, since the water company knows how much you paid for last month's bill, so does your bank -- or at least, it soon will. Even if you attempt to become a "blank" and drop off the radar, the information collected by different entities can and will be thrown together. You will make a mark as you move through society and anyone sufficiently interested will be able to follow you. And if everyone sticks his head in the sand and pretends that makes him safe -- if we don't build a social consensus on what is and more importantly what is not an acceptable use for massed data -- then the ability to track even the blanks will become cheaper and more widespread.

    9. Re:Again, use cash, folks! by Cutriss · · Score: 2

      It's getting bad out there. I was alarmed when I bought a DVD player at Wal Mart and they entered the serial # into the register!

      This has been done for some time now - I think the trial runs were done with the Nintendo Game Boy (the old grey one). If you look on the back, they all have barcodes, and there was a hole in the box through which you could see it. Every Game Boy sold through retail chains has been scanned. Has anything bad come of it yet?

      The truth is that the retail chains do this to help reduce shrink and monitor returns. If a shipment disappears or never gets sold, the supplier has a list of all the IDs that never got rung up at the register, and he knows where the buck stopped at. It's not like the DVD players phone home or anything - It's just used to help nail the people in the stock room that aren't doing their jobs.

      --
      "Mod, mod, mod...and another troll bites the dust."
  5. Re:This is NOT OK by me. by pythorlh · · Score: 2

    Unfortunately, the BoR only applies to the federal government. Since this is a public company collecting the information, there is no guarantee against it due to the BoR. Hopefully, it can be made illegal on the grounds of invasion of privacy, but it would have to be challenged.

    IANAL

    --
    Do not confuse duty with what other people expect of you; they are utterly different.Duty is a debt you owe to yourself.
  6. I stopped going to Safeway... by Futurepower(R) · · Score: 4, Interesting


    "... and grocery store discount card records."

    I stopped going to Safeway, since they use discount cards rather than just giving customers the price at which they want to sell without expecting to track them.

    (Discount cards do NOT provide discounts. The grocery store always sells at the price they want to sell. They merely increase the price so that people will get cards, and can then be tracked, especially if they ever use a credit or debit card in connection with a purchase.)

    I've started shopping at WinCo Foods instead. They have much lower prices, and they don't do sneaky things. WinCo Foods stores are located in California, Oregon, Washington, Idaho, and Nevada.

    Did Safeway think that there would be no cost for them in tracking the customer?

    I've noticed that abusive companies eventually disappear, or almost disappear. At one time IBM had 90% of the PC market, but they tried to trap customers with a proprietary bus system. At one time Novell had 85% of the PC network market, but they didn't care that their software had a lot of quirks. At one time PC Magazine was a large bi-weekly magazine, but they seemed to favor some companies in their test results. If you believe these examples are representative, then you may begin to think that eventually Microsoft will be a small software company.

    1. Re:I stopped going to Safeway... by datastew · · Score: 2

      For Safeway, if I leave my card in the glove box, I just give them the phone number of someone else who I have found (through trial and error) has a Safeway card.

      I just told them that I had moved since I filled out the form and did not remember the old number very well. They let me try a few out and when they got a hit in their DB, I just said "yeah, that's it."

      Works for me.

    2. Re:I stopped going to Safeway... by Komodo · · Score: 3, Interesting

      Innocent prank, or identity theft?
      I wonder how well the law draws the line. Doing this with (say) a driver's license should be a crime. But in the current climate, even falsifying your Mickey Mouse Club card number might get you shot.

  7. Re:This is OK by me. by Jeremiah+Cornelius · · Score: 3, Insightful

    You have nothing to hide? The Agency is terribly sorry Mrs. Buttle...

    --
    "Flyin' in just a sweet place,
    Never been known to fail..."
  8. In the UK some chains have abandoned loyalty cards by rpjs · · Score: 2

    ASDA, which is owned by Walmart, is one of the UK chains that have abandoned loyalty card schemes, saying customers prefer low prices to gimmicks.

    I don't think the sort of data collection and matching mentioned in the head article would be legal in the EU. The US needs Data Protection laws!

  9. P.S.: by Futurepower(R) · · Score: 2


    P.S.:

    Anyone who doesn't know that Microsoft is abusive should read this article that I wrote about Windows XP problems: Windows XP shows the Direction Microsoft is Going. Click Reload if you have visited the article before, because it has recently been re-written with added material.

    1. Re:P.S.: by Moridineas · · Score: 2

      That article is complete FUD btw...I could practically go through and dispute every single point (or at least 90% of them). THis came up a couple of weeks ago too. sigh.

  10. Re:In the UK some chains have abandoned loyalty ca by moncyb · · Score: 2

    Great! Any information as to what steered them in that direction?

    Oh, and the US does have a "data protection" law. It is called the DMCA. There is also another one coming out called the CBDTPA. In my country no one cares about the citizen's rights. :-(

    BTW (in case someone doesn't get it) I know what was meant by data protection laws--I was being sarcastic...

  11. Privacy and electronic cash by John+Harrison · · Score: 2

    It is possible to design a system that will allow secure and anonymous electronic cash transactions. It is certainly easier to not make the transactions anonymous, but it can be done. Generally the people who are paying for systems to be implemented do not have privacy within the system as a goal. They want this information. They also don't want it to get out. Of course a search warrant solves that little moral quandry...

    1. Re:Privacy and electronic cash by Deagol · · Score: 2
      Yup, I know.

      For those curious, search for David Chaum's "digicash". I think Applied Crypto talks about Chaum's stuff (or at least digital cash, anyway).

      digicash.com has been registered (and even up) for years, but it never got off the ground. On paper, it sounds awesome. However, the little tinfoil-hat-wearing voice in me thinks the goverment (and credit card companies) are scared shitless of a fully anonymous e-cash system, even if it has all the benefits (authentication, repudiation, etc.) of the strong crypto system so they are making sure digicash never becomes useful.

  12. Agentina by John+Harrison · · Score: 3, Interesting
    There was a show about it on PBS last night. People have resorted to joining bartering groups.

    Brazil has had its own strangeness. I was living there when they switched from the Cruzeiro Real to the Real. They didn't correctly anticipate the number of coins that would have to be minted. For six months you couldn't get the 5 cents change from your 45 cent bus fare. You got a "5 cent coupon" instead. So basically the bus fare was 50 cents with your tenth ride free!

    ps For being a privacy nut you just told us all where you live. Smith's and Albertson's aren't exactly nationwide chains. :)

  13. Census Data by jteitel · · Score: 2, Interesting

    Isn't census data supposed to be confidential?

    --
    Those who would give up essential liberty, to purchase a little temporary safety, deserve neither liberty nor safety. -B
  14. Try card swapping by marcus · · Score: 2

    It's OK, stick to your cash, but you can help us befuddle the databases by starting your own card swapping club.

    Go ahead and register for your discount card, but never use it. Trade with someone else. Trade again. Get a bunch of friends together, throw all of your cards in a pile, stir them up and then pull out the same type and number of cards that you threw in. When you meet someone else that has cards like yours, swap again.

    Obviously this doesn't work for credit cards or anything that has your name on it.

    Keep paying with cash.

    So far I have swapped Safeway, Albertson's, Tom Thumb, and Brookshires with people from all over the country, as far apart as Alaska, California, Oklahoma, Texas, Louisiana, Mississippi, and Florida. The last swap was in Alaska and I have no idea who's card I gave, nor who's I have.

    --
    Good judgement comes from experience, and experience comes from bad judgement.
    - W. Wriston, former Citibank CEO
  15. Re:In the UK some chains have abandoned loyalty ca by rpjs · · Score: 2

    Great! Any information as to what steered them in that direction?

    A quick furtle about the BBC site finds this article about Safeway UK following ASDA's lead and quotes ASDA as saying only a tiny percentage of their surveyed customers wanted one. Personally, I do have a another chain's loyalty card but only because they offered Air Miles on it.

    Certainly supermarkets here don't do the dual pricing with-card discounted vs without-card more expensive thing I've seen in the US. Maybe our consumer protection laws would deem that misleading. Instead the usual way to get a discount is that when you've accrued a certain number of points you get a voucher with a nominal monetary value that you can offset against your next purchase.

  16. Every point in the article has been verified. by Futurepower(R) · · Score: 2

    Every point in the article has been verified by Microsoft employees or has been backed up with links to news sites.

  17. Found an error? I'll fix it. by Futurepower(R) · · Score: 2


    I forgot to say earlier that if you have found an error in the article about Microsoft, referenced above, I will fix it.

    1. Re:Found an error? I'll fix it. by Moridineas · · Score: 3, Insightful

      ok, here are my complaints:

      1. All the things that try to connect to the internet. I run ZoneAlarm, and I have only seen
      4. Generic Host Process
      11. Media Player, checking for codec

      I'm not saying you're lieing, but just that that's all I've run into.

      As for your next paragraph--big companies move slowly, it sucks yes, but your hysterical "microsoft ignores bugs and wants people to get hacked" is off the wall.

      You also talk about your theory that microsoft makes buggy software so that people will buy upgrades. What are the bugs people typically mention ? IIS, Outlook, IE, hotmail. ALL free, so your theory for those programs can't be right.

      Your next paragraph also seems ridiculous, indicating some sort of spying conspiracy.

      And your next paragraph is verifiably false--the corporate culture is supposed to be great at microsoft. I've known 2 interns who worked there over summers, both loved it. Motivation != quality.

      the DRM stuff all seems ok

      Your next paragraph about the government lost me...

      Ok, your (your?) registry discussion is where I have the most problems. first you say if the registry becomes corrupted you have to re-format, re-install, etc. This is simply not true. One, Windows makes periodic backups of the registry automatically, from which to restore. You say the registry is a single very vulnerable point of failure? By being a single point, it's also easy to backup and restore. Re-formatting isn't necessary even if for some bizarre reason you had to do a re-install. Rescue install can handle that easily, if again, for some bizarre reason, the registry backups don't work. The registry prevents control by the user? Again, bull, for 99% of what most users would want to change, there is a control panel, or a settings box, or a management console, etc.

      Incidentally, user registry settings are stored in a different hive file. Again, you lose me on the next part of your discussion. Under what scenario will a registry become partially corrupted and not recognize this? I've never heard of this happening, do you have any evidence that this happens? Again, you talk about re-formatting and I say bah. Next you talk about how Windows XP prevents you from backing up the registry...again simply not true. Take a look at a) the regedit export command, b) the "reg" command (console) c) I imagine it's taken care of in System Restore as well (I turned it off--never had a need for it).

      The next section on backups is even MORE ridiculous. Did you even read that article?? The problem with disk duplication of windows is that the SID (MS Network IP address..a unique identifier in other words) cannot be identical. Nowhere does it say MS forbids backing up (which works fine--it ONLY doesn't work if you are replicating to multiple installs). This is pure proveable FUD.

      Ok, the next part is yadda yadda yadda about Passport. I clicked no, it's never come up again, no loss of functionality, I don't see the problem.

      Palladium fine, we don't know anything yet, but fine, speculate all you want..

      As for the CLI, I don't know about this. I've found sound emulation to be AMAZING under XP--I've been able to run DOS games with sound (Quest for glory to be precise) that I literally haven't been able to run since DOS days.

      The extra spaces thing you mention is very deliberate. You can paste as input into a program. If the command prompt arbitrarily decides to stop pasting what you have in the clipboard, you can be in for some problems here. I haven't run into any of the other problems you bemoan.

      XP Scheduler inefficiencies? Again, no idea what you're talking about. Never run into it. Your language is unclear, but it seems the blame is to lay on the driver writers, not MS? So there are no buggy drivers for nix/bsd?

      I've never run into that ALT+TAB bug either.

      The last part again seems part out paranoid xfiles-ish to me, but hey, you can have your opinion--it's the factual errors in this article that bother me.

  18. Re:This is NOT OK by me. by jareds · · Score: 2

    Hopefully, it can be made illegal on the groudns of invasion of privacy, but it would have to be challenged.

    What are you talking about? Invasion of privacy refers to publication of embarrassing private facts of no legitimate newsworthiness. This is a service to let you find someone's address, which doesn't even remotely fit the bill.

  19. Re:This is NOT OK by me. by jareds · · Score: 2

    I think the government should have to get a warrant to grab my credit card purchases and my grocery buying habits and who I've called and where I've surfed. To me, that's private stuff.

    I think you just have to live with the fact that people you do business with can keep a record of that business. Of course, your credit card company and grocer have the right to refuse to provide information to the government, but they have no obligation to refuse.

    (that really, only you should know. There's no real excuse for anyone knowing that you got gas at exactly 11:42 pm).

    So if someone sells you gas, they have no excuse for knowing when they did so?!

    In short, my belief is that the Bill of Rights was a statement against the government being able to harvest any data about you that is not widely publicly known (dob, place of residence, etc) unless they have probable cause (aka a search warrant).

    That's absurd. Virtually any sort of police investigation involves harvesting information that isn't publicly known without a warrant. The police don't need a warrant to ask a pizza delivery guy if he saw a certain person when he delivered pizza to a certain apartment yesterday, so why should they need a warrant to get information from Lexis/Nexis that Lexis/Nexis obtained from pizza delivery companies?

    The government violates the Bill of Rights in a variety of ways, but this is not one of them.

  20. I will consider everything you said. by Futurepower(R) · · Score: 2


    I can see definitely that some parts of the article need to be re-written. However, nothing you have said convinces me that there is a technical error.

    Is it possible that you were not reading the latest version? Did you reload your browser?

    The registry has the problems that I mentioned. We are not talking about problems you had. We are talking about problems that I have had and that are commonly known. It is very easy to back up the registry. It is impossible under some conditions to make use of a backup. Those conditions are explained in the article.

    You said, "I've never run into that ALT+TAB bug either." A reader sent me an explanation of how it works. The problem only occurs after you have more than 21 programs running at the same time. After that, it starts acting oddly, to say the least.

    I can't answer more fully now, but I will have a careful look at everything you said.

    The article references a Microsoft article that discusses backup limitations. They say that disk cloning is "not supported" under some conditions. I agree with that. The problems have nothing to do with the SID.

    1. Re:I will consider everything you said. by Moridineas · · Score: 2

      The registry has the problems that I mentioned. We are not talking about problems you had. We are talking about problems that I have had and that are commonly known. It is very easy to back up the registry. It is impossible under some conditions to make use of a backup. Those conditions are explained in the article.

      Ok, you say that "If this one large, often fragmented, file becomes corrupted, the only way of recovering may be to re-format the hard drive, re-install the operating system, and then re-install and re-configure all the applications.". Simply not true. Windows makes regular back ups, if you're a safety person, you can make your own backups, ergo, if it is corrupted there is a 99% chance that windows will recover on it's own. So, your statement is not true. You could say that "If this one large oft-fragmented file becomes corrupted, there is chance that a complete re-format and re-install will need to be done" -- that would be true.

      Do you have ANY evidence that this is true: "Microsoft apparently designed it this way to provide copy protection." ?

      Also, do you have any evidence that the registry can become partially corrupted? I really don't think that this can happen. And this is one of the central parts of your "Registry can't be backed up / restored" paragraphs.

      "So, you cannot create your own backup tools, as you could in Windows 98." -- Also false, I told you the name of several ways to do that (regedit, reg command, etc)

      As for thei nfamous "backup" article the article itself says "This article briefly describes methods that Windows XP supports for cloning or for duplicating a Windows XP installation. " This has NOTHING to do with making disk image backups. NOTHING. It has to do with CLONING or REPLICATING. To explain what this: Take one computer, install, configure, make disk image, cloen to another computer, and 10 more. This won't work in XP. AND the article you link to even tells you how to get around this in another article and in this one (sysprep.exe). So this is patently wrong.

      About the ALT+TAB thing--I just opened 25 windows. They are arranged in 3 rows of 8 icons, and it works. fine. So I can verify this is not true (for XP).

      A lot of the stuff I said "I've never run into" or along those lines. the reason I say that is that I can't verify for true or false your claims. Not saying you're making them up, just that I haven't seen them, and your article rather makes it seem like everyoen runs into these problems.

  21. Re: Damnit! by Black+Parrot · · Score: 2


    > When I saw the headline I thought that they finaly decided to implement my idea of useing the police to deliver pizzas.

    Wonder how many apartment maintenance men are undercover cops.

    --
    Sheesh, evil *and* a jerk. -- Jade
  22. Re:This is NOT OK by me. by jareds · · Score: 2

    No, the point of insurance is to make money for the insurance companies.

    Well, it's obviously true that that's the purpose of it for insurance companies. I was referring to the purpose of it for policy holders.

    They define what insurance is, and regularly change those definitions, if you pay attention to the mailings sent to you.

    Insurance companies are taking fewer risks themselves. Pretty soon, if that point hasn't been reached already, owning an insurance policy will be worth less than a savings account set aside containing the money that would have gone to an insurance company.In other words, insurance companies operating in a zero risk environment.

    Of course, it has always been the case that, on average, you're better off saving the money, because otherwise insurance companies would go bankrupt. The point is that I'd rather lose a little money if my house doesn't burn down than lose a lot of money if it does. Whether a policy is worth more or less than a savings account is a subjective judgment based on one's individual risk-aversion.

    At which point insurance companies will have ceased being a beneficial aspect of society.

    If, indeed, people decide that their policies are worth less than savings accounts, insurance companies will cease being beneficial to society. However, they will also go out of business, because they will have no customers. Thus, they presumably will make sure that their policies remain useful.

    Programs like this pizza thing, and deals with the supermarket saver cards, just bring us closer this end.

    No, they don't. In our example, although purchase tracking makes health insurance more expensive to the guy who eats pizza all the time, it makes it cheaper for the rest of us. I see no problem with making people pay for the consequences of their actions. A far more interesting issue, where your points about insurance being worth less would actually apply, is what would happen if we were able to genetically screen for cancer or something, but that's not related to purchase tracking.

  23. This is why you use "special" cards... by camusflage · · Score: 2

    I have a few dozen cards for Giant Eagle courtesy of their online form. Conveniently, it even gives you a bar-coded "card" to print and use.

    --
    The truth about Scientology, Xenu, and you: Operation Clambake