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On flip side not having telematics on your most expensive assets (house, car and health) is negligence.

There’s a difference between the owner having telemetry on their own car, and the manufacturer having telemetry on the cars they’ve sold. One is taking care of your assets, and the other is spying on customers.
Tell me, how does Tesla spy on customers? Do pass mcdonalds more often when on FSD?
Have they resolved the class-action lawsuit about workers sharing and making memes from pictures and videos of people inside their homes, garages, naked, with their pets, their kids, their laundry, their sex toys, etc? Mozilla said they're the least bad but they're definitely not good.
Not spying, part of classifying FSD footage that you opt-in to share.

Not nice, but kinda healthy team culture to share hilarious accidents. Happens everyday, everywhere.

It's not just FSD footage. Footage was recorded while the cars were charging. From Reuters:

As an example, this person recalled seeing “embarrassing objects,” such as “certain pieces of laundry, certain sexual wellness items … and just private scenes of life that we really were privy to because the car was charging.”

To be clear, looking at video surreptitiously recorded inside peoples' homes is absolutely spying. And saying you get actual consent from click-through "opt-in" forms which opting out would kill huge swaths of their car's functionality, and not deliberately and loudly informing them of how invasive the videos were is frankly, ridiculous. Those forms are obviously pretext for tech companies to do things with people's data that they'd never consent to if they really understood the implications.

Are you saying that not monitoring e.g. heart rate constantly through some electronic device that sends the data somewhere (let’s assume somewhere under my control) is negligence?
Going to doctors office is telemetry too, but very sparse. Smart watches are ubiquitous. Lives have been saved.
From Wikipedia: “Telemetry is the in situ collection of measurements or other data at remote points and their automatic transmission to receiving equipment (telecommunication) for monitoring.”

There is nothing “tele” about going to the doctor, and nothing automatic about the information they gather. You’re conflating telemetry and simple examination or observation. Most types of examination are not telemetry, and many types of telemetry are not as benign as simple observation/examination. There is telemetry on my car but I can’t access the data. It’s not for my benefit— it’s for Jeep’s benefit. I don’t need it and I don’t want it.

‘Telematics’ is not how the word ‘insurance’ is spelled. Anyone that owns an uninsured car or home that cannot afford to replace a total loss or hundreds of thousands of dollars in medical bills in the case of a major accident is negligent. Anyone without wealth lacking health insurance is negligent.

Having sensor logs of the space temp and CO2 ppm in your house when it’s burning down isn’t going to help you at all.

Car telemetry might help diagnose car issues, but I’m not aware of manufacturers using it that way, I’ve heard plenty about selling location data and driving habits.

Constantly monitoring your heart rate and blood pressure sounds like a good way to develop hypochondria.

Majority of population is wearing some sort of smartwatch tho.

Absence of PM2.5 is exactly how I debunked a false smoke alarm while I was overseas. Or I flagged excessive power use after friends left appliance on while I was away. Or water leak sensors flagged one toiled cistern dripping.

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