I hate to be that guy but should we be charging people more (effectively punishing them) for something outside of their control? Sure it may be "fair" in terms of economics, but it's a slippery ethical and moral slope if I've ever seen one.
Car insurers charge young people more money, despite their youth being outside of their control.
It's dangerously close to an argument such as "People of color have to pay more or can't use this service at all" or "Blonde hair blue eyes" you know?