The government scares me less because they don't want to maximize the money they get from me.
I take it you have never been audited by the IRS. Worst thing I have ever had to endure, and that was as a college student filing a 1040 EZ and only having one job and a checking account. It was similar to one of those somewhat creepy police interrogation scenes in movies meets the stereotypical DMV waiting room.
Already being done for car insurance if you allow a monitoring device to plug into your car's computer port.
When I got my project car insured a couple of months ago they asked if I wanted to do this even though I am getting limited use collector insurance on it. I wanted to see how far along I could go before they figured out that such a device won't work on a 68 MG Midget. Sadly the agent didn't catch on and at the very end I told her that it wouldn't work because the only electronics in the car are the lights and wipers and it doesn't have a computer let alone a diagnostic port.
With your bare hands?!?