1. Where MML fails

    A model this integrated can easily become dystopian if efficiency is treated as sufficient justification. MML could create manufacturers that know where customers drive, how they behave and how much risk they represent; it could create proprietary components that remain technically repairable but cannot function without manufacturer authorisation, or exclude independent workshops through certification requirements. Insurers could translate postcode, income and behaviour into increasingly granular pricing, while a technological discontinuity could strand enormous quantities of capital.

    Continuous trajectories changing configuration across a transition threshold.