Let's say Unlucky Joe is a very accident-prone young man. He keeps getting into costly accidents all the time, but it can never be proved that he does it by mistake, and it doesn't benefit him economically. However, his insurance company keeps having to pay the costs for his accidents.
So they increase his monthly cost. But can they do this infinitely, to the point where Unlucky Joe simply cannot afford being insured? Or is that against the law somehow? I mean, if he really does have such bad luck, he truly needs the insurance, but at the same time, the insurance company would never accept having a customer who literally costs them more than they get from him?
Are they obliged to keep him as a customer, with a reasonable maximum ceiling for the "premium" (I think that's what it's called)? Or will poor Joe find himself unable to get insured and thus get heavily into debt and lose his home?
PS: Unlucky Joe could also be Unfortunate Sue, who also has bad luck but in her case, she keeps getting costly diseases and basically lives in the hospital.