> Shiiiet why my insurance so high?

> "Pull your pants up to save 15% or more on nigsurance premiums!"

Really what you're proposing is social credit score, but decentralized so it's mass mob rule instead of government mob rule.

The problems is the blacks and browns will all just rate each other as good bois who ne'er do nuffin rong. And whites will rate each other honestly and give said black and browns the benefit of the doubt.