" I have to pay more because of the fat slob in their pickup truck who's had three accidents in the past five years even though I've never had an accident in decades of driving. If there was any logic my insurance should be close to zero."
I don't think you understand 'insurance'.
An accident that causes a fatality costs on average 1.8M to settle for the insurance company (after legal, settlement, etc... all costs). There were 37000 fatal accidents last year. So it costs about 68 billion.
(And that's setting aside the nonfatal, and noninjury accidents for now, as total accidents is closer to 350 billion a year. But bear with me... just conside the portion of your insurance that covers fatal accidents...)
I know! We'll let good drivers who haven't killed anyone pay close to zero for that premium. And the 34000 drivers who will kill someone each year should pay 2 million dollars each!
We just need to figure out who they are ahead of time (because they probably won't renew their insurance if we charge them that much afterwards), and we need to hope they collectively have 68 billion dollars (hmm... that seems pretty unlikely too) Maybe this idea is stupid.
It's also not really insurance... its just charging people for the damage the cause, which doesn't work, because the people causing the damage don't have the money, and we dont know who they'll be. So... you know... "insurance". Where everyone pays more, and we rig it a bit so people who are known to be 'higher risk' pay more, especially if they are clearly making risky choices.
But clearly, you can't optimize it all the way so that people who don't have accidents pay near zero, and people who do pay for them... because that's not insurance.