I am, in fact, not an engineer; I trained to be an actuary. (Though, I guess if one squints enough, the operations research electives look like industrial and systems engineering.)

I consider UBI less an engineering exercise with requirements that feed into the engineering method and more one of ratemaking and claim severity against an entire trade system. My only goal is to put a dollar amount on a loss event (and get some quantification of how many loss events occur over time while we're not looking). What anyone does with that is up to them.

Use of the second person was certainly a choice.