Commerce is just the exchange of goods and services. If we all stop exchanging goods, in what sense would we have a civilization? What would you or anyone accomplish if you had to grow your own food, make your own clothes, build your own house…?

What is it you think they’re doing now? You buy term life insurance when you’re young and healthy, you get a low rate. You buy when you’re older and have higher risks, you pay more. They have statisticians calculating your expected lifespan, and modern “AI” models are really just statistical models with larger datasets. It’s not really that unreasonable or new a concept.

I suspect it’s worse than that: most people have multiple natural talents they never discover. That is why I encourage my kids to try all kinds of experiences, and not label themselves as “not a science person” or “not outdoorsy”. You don’t need to be good at just one thing.

Didn’t work! I used my identity matrix and I’m exactly the same as I was before.