The one advantage POTS has is that it does take a court order for them to tap the line. But, I am guessing that laws will be changing soon and some of our privacy and security concerns will get addressed. Again, sooner is always better than later.
It already changed nearly 20 years ago: http://en.wikipedia.org/wiki/Communications_Assistance_for_Law_Enforcement_Act
Wait a few years till somebody crunches the data to show that a crime ridden area is undeserved or that they are sped through and sues.
They already use the data. It is called "Intelligence Led Policing".
Buried somewhere on Progressive's website is a sob story of how for every $1 in premiums the car insurance industry collects, $1.02 is paid out in claims. Yet, every company seems to have a large advertising budget to drill in that they can save you "XX or more" on car insurance.
On the opposite end of things, there are car insurance companies that solely insure high risk drivers in some states. A friend of mine was dropped by a company because he was "too safe a driver". Yes, that was the official reason. Not surprising, a few months later the company went bust.
"It's the best thing since professional golfers on 'ludes." -- Rick Obidiah