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Insurance companies already do this with FICO scores, which are scandalously good predictors of risk for just about anything. (Pick your favorite explanation: they correlate with irresponsibility and that correlates with bad outcomes, or they correlate with poverty and bad things happen to poor people.)

Someone is eventually going to take the old "You are the average of your five best friends" adage and create a score (a set of scores, more likely) based on it. That will either be illegalized within a year or make billions. (My cynical rationale on it getting political heat is that it will be probably better than human judgment, like FICO, hit some people hard, like FICO, and strike people as "unearned", unlike the layman's understanding that FICO scores are dominated by your behavior as opposed to the behavior of other people.)




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