I do see the economics of the scheme you describe. It's just not reality, that's all.
You don't think the premia of younger drivers rise to offset the mandatory, meaningless discounts offered to older ones? Naive.
Call me naive for not recognizing a delusion, and I raise you one and call you delusional for your delusion.
I guess you don't believe that Obamacare's mandate to insure sick people will be paid for by increasing premia for healthy people.
Indeed I do not because increased premia already pays for the indigent to go to the hospital emergency room at top dollar. A cheaper method of health care will mean lower premia instead.
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