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Comment by daviddahl | Hacker News Reader

I dont think the NSA is the 99% threat model. It is data miners who are building up dossiers on all of us to sell to the highest bidder which will raise costs for all of us in the long run. think Insurance companies raising rates on how often you visit the online whiskey store.

We also released a password manager called Encryptr, but there is a larger project underway that I won;t say anything about yet as I am not in Marketing, etc:)

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> I dont think the NSA is the 99% threat model. It is data miners who are building up dossiers on all of us to sell to the highest bidder which will raise costs for all of us in the long run. think Insurance companies raising rates on how often you visit the online whiskey store.

If we banned life insurance companies from considering age or medical status, rates would not go down for everyone--they would go down for the elderly and the very sick, and up for everyone else. In exactly the same way, insurance company "dossiers" would not "raise costs for all of us"--they would raise costs for the risky and decrease costs for the less risky.

> they would raise costs for the risky and decrease costs for the less risky

That assumes their risk model is correct.

Regardless, I don't want all my behavior evaluated and judged. You may feel otherwise, but it should be my choice.

In theory? Sure.

In practice?

Well, I wouldn't want to be, to pick one example out of millions, a med student, in an age when looking up medical knowledge damages your credit rating. It's not a very distant age.

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