gruppe_sechs

As the modelling gets better, are we ultimately heading for a future where the only people who are able to get insurance are people who don't need it, because they aren't going to make a claim? If insurers get too good at predicting the future then it breaks their entire business model.

*murdered

You forgot the part where the central planners herded millions of people into Gulags, starved tens of millions more to death, then executed a few million more for good measure.

Other than that, spot on though.

As opposed to other writers whose perspective is "I'm wrong"?

Something I've heard fairly consistently from people who've learned English as a second language is that it's relatively easy to learn English to a basic or intermediate level, since English grammar is relatively simple (no genders, no cases, simple verbs, etc), but taking your English from intermediate to advanced is much harder because of all the weird quirks, irregularities, idioms, phrasal verbs, inconsistent spelling etc..

My experience of learning several Asian languages as a native English speaker is kind of the opposite - the initial learning stage is very hard and it took me a long time to get to a point where people would understand me at all. But once I got over the initial hump, things progressed from "basic" to "intermediate" quite smoothly. (I never stuck around for long enough to get from "intermediate" to "advanced" though, so who knows.)