A car sells your data to your Insurance company. You had to rapidly stop to prevent an accident? Well, data looks exactly like reckless driving. Enjoy your higher rates, dear customer!

car telematics in insurance is already being used and is offered to customers as opt-in in exchange for premium discounts for good driving behavior.

if you are not reckless driver yourself, I dont see a downside here. You get lower premiums, insurance is able to narrow down the pool of reckless drivers and properly price them and modify their behavior via monetary incentives

whats the actual downside here??????

I'll pay for your mattress and your bedroom set if you put a mic in your bedroom that I can listen to 24/7. I promise not to do anything bad with whatever I collect. I don't see a downside here either.

Straw man, it is very sad you had to make up ridiculous unrealistic scenario to make your point, which highlights how weak and wrong your original position is