That's always the cycle when it comes to giving up data for 'perks'. First there'll be benefits for complying, then those will go away, then it'll turn into penalties for people who don't comply. With the rise in technology in cars we're already seeing some insurance companies offer lower rates for people in exchange for sharing their location/driving info. I think eventually it'll shift to the point where 'default' insurance is made so expensive you'll have no choice but to share everything you do with your insurance company