"misuse of your personal data" - Well, that's not going to happen. No insurance company will want to now your approved sensor data score before calculating your fees, copays and deductibles and they won't ever give penalties for not wearing your sensors. No lending company will want to know your score before financing your car, house, etc. and calculating your rates. No company will want to know your score before hiring you for the long or short term or estimating work capability or endurance. No airline will want to know your score to calculate how high a risk you are and calculate your ticket price or extra insurance fees. Nobody will do this, all will be well, and all this will only benefit you all. Nobody will be left behind, there'll just be some who'll never get there.