Question Author
TTT
Your insurance analogy doesn’t quite work, because no insurance company has such a broad context for premiums.
It won’t be “This driver is young, therefore we will charge him/her more”.
It will be:
How old is this driver?
Is the driver male or female?
What part of the country does he/she live?
How long have they been driving?
What is their NCB?
How much is the car they’re insuring worth?
Has the car had any modifications?
What is the engine size of the car?
Now, what the restaurant did was this...”Are they black?”
That’s massively different from the nuance approach that an insurance company would take.