If you want your own premiums to be decided specifically on your own level of risk then you either use generalisations based on what kind of person you are (you know, job, place you live, age, sex, the kind of stuff you get asked when applying) which is cheap to manage as it is based on what happens to that kind of person.
Or,
You get a personal assessment of your driving, over an extended period to get a true impression, and agree to be randomly followed several times a year just to make sure you didn’t just go easy for the test, and understand that your premium will also include a bit more to cover the wage of all these extra staff.
Personally I would take the small hike in premium on the basis that I am a bloke and “might be a bit of a cock behind the wheel” than a massive hike to pay another persons salary+admin fees+whatever else.
Do I not get regular breast cancer screens because I am not old enough? Will they start when I am old enough or am I unlikely to get them because I am statistically less likely to get cancer (ok, in this case a much bigger difference in risk, but still a decision based on historical statistics).