One case that hits all of us is in insurance risk calculations. Even though you have not had a claim in years or decades, your premium is going to be based on claim history in your area, your age group, etc. I relocated from a rural area to a metropolis, and my premium increased five times in the first six renewals, even though there still have been no claims, because I am now perceived as being a greater risk due to location instead of events. The bias is evident in the selection of criteria on which decisions are made.
Obviously this can also be a good thing, for instance, when you doctor asks you about any family history of heart attack, stroke, cancer. But do you want your health care decisions based on how well you distant cousins pay their medical bills?
The chances are significantly greater in a metropolitan area that another driver will rear end your car and then either drive away or file a bogus lawsuit, leaving YOUR insurance company to pay the bill for an accident that was never your fault in the first place. You've simply moved into a more expensive risk group in general.
So my record of good driving, and my history of having ALREADY paid for covering my risk is now worthless. My coverage is only good as long as I don't use it. Whoop-ti-doo! That's REALLY 'artificial'.
Rick
Disaster Recovery = Backup ( Backup ( Your Backup ) )