The difference is that swinging a chainsaw in your bedroom isn't going to kill some stranger.
Driving like a moron in a 2T vehicle is.
Risky driving isn't a private problem. It's a public problem.
And the government already monitors your on road behavior and punishes you for engaging in risk. Speed cameras and traffic cops exist, in case you didn't know
Credit score is used for lending. Basically, helps to understand the repaying capacity of the person.
However, presence of alcohol in sweat or by another means if detected and taken by systems to feed data to insurance companies it will make judicious decision in charging the person a higher premium.
Because, drunken driving risk lives of others on the road and yourself. If a person is not in a position to live on a agreeable consensus of social security model without putting others life at risk, jungle suits him.
We could determine their liability insurance premium more accurately!
Why don't we film everyone in bed to determine if they use condoms?
We could determine their health insurance premiums more accurately!