Regarding Google and sensitive topics; why not? I often search on a lot of topics that could be sensitive but it would be really hard to separate pure curiosity from something serious
If you're statistically discriminating, it doesn't matter if you're correct in any particular case - just that on average, you're more right than wrong. Just because you searched for heart issues doesn't mean you have them, but if people who do are more likely to search about them, then if an insurance company treats all people who search for this as if they are more likely to have it and raise their rates accordingly, they will profit.
