Convenience, wrote Columbia University law professor Tim Wu, is a tyrant. It makes our lives easier and more enjoyable, but everything comes with a price tag. We may not recognize that which we are sacrificing in the pursuit of convenience, but we are sacrificing nonetheless.

The instant gratification associated with on-demand society has made America’s shared cultural moments a thing of the past. The explosion of online shopping has eliminated the time consumers wasted traveling from store to store, but physical retail is dying as a result. The modern public square and the daily human interactions that it encouraged will disappear along with it. Machine learning has the power to introduce a “more compassionate social contract” and reduce physical risk associated with workplace hazards or lifestyle choices. But risk is just another word for freedom and, in the pursuit of convenience, we risk sacrificing our independence along with our hardships.

“We’re really reinventing the traditional insurance model with our vitality program,” said Marianne Harrison, the CEO of one of North America’s largest life insurers, John Hancock, in a recent appearance on CNBC. The beaming insurance executive boasted of her firm’s effort to marry a “technology-based wellness program” with an “insurance product.” That’s a loaded way of saying that this American insurer is soon going to charge based on the real-time monitoring of your daily activities. Behavior-based insurance will track the health data of policyholders through wearable devices or smartphones and distribute rewards based on individual choices. You don’t have to wear a tracking device to participate in this program—at least, not yet. Harrison assured skeptics that they could also dole out rewards to policyholders who take simple steps like reading preapproved literature, the consumption of which they presumably track.

This innovation is optional today, but the savings it yields for both consumer and insurer guarantee that it will soon become a standard feature of the insurance landscape. Your freedom to eat poorly, use tobacco products, drink alcohol, or perform any number of physical activities that include varying levels of risk are not limited. You’ll just have to pay for them. And if Democratic policymakers succeed in nationalizing the private health insurance industry under the auspices of Medicare-for-all or single-payer or whatever other euphemisms they apply to the public confiscation of private property, these “tools” will only become more pervasive.

A similar rationale—the primacy of collective health—can be applied to any number of activities that invite unnecessary risk that technology can mitigate. Foremost among these is the terribly dangerous American habit of driving a car.

In 2017, there were over 40,000 automobile-related fatalities. This was the second consecutive year in which the roads were that deadly and, if observers who attribute this rate of fatal traffic accidents to an increase in smartphone ownership are correct, there will not be a decline anytime soon. A 2015 study purported to show that replacing manual vehicles with autonomous cars or vehicles with advanced driver-assistance systems could eliminate up to 90 percent of all fatal accidents and save as many as 300,000 American lives each decade. It is perhaps only a matter of time before the option to own a driverless vehicle becomes a mandate with a hefty financial penalty imposed on those who opt out.

“[T]he threat to individual freedom that the driverless car is set to pose is at this stage hard to comprehend,” wrote National Review’s Charles C.W. Cooke. Presently, the car transports its diver to wherever they’d like to go, whether there are roads to facilitate the journey or not. In a driverless world, as Cooke noted, the driver becomes a mere occupant. They must essentially ask the car for permission to transit from point A to point B, and the whole process is monitored and logged by some unseen authorities. Furthermore, that transit could ostensibly be subject to the veto of state or federal authorities with the push of a button. That seems a steep price to pay for a little convenience and the promise of safety.

The pursuit of convenience, as Professor Wu explained, has resulted in remarkable social leveling. We enjoy more time today for “self-cultivation,” once only the province of the wealthy and aristocratic, than at any point in history. And yet, we cannot know true liberty without hardship. “The constellation of inconvenient choices may be all that stands between us and a life of total, efficient conformity,” Wu concluded.

There is more to celebrate in the technological revolutions of the last quarter-century than there is to lament. But in the pursuit of convenience, we’ve begun to make spontaneity irrational. In life, the rewards associated with experience are commensurate with that which is ventured. In a future in which the world’s sharp edges are bubble-wrapped, your life may exceed today’s average statistical length. But can you really call it living?

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