The media continually tells us that not enough young Americans are getting degrees in the STEM fields of science, technology, engineering and mathematics. Instead, they’re choosing careers in FIRE --- finance, insurance, and real estate. Why is this happening? The cynic in me has all sorts of unpleasant answers to that question, mostly having to do with the fact that you never see a Wall Street bank outsource its trading operations to Asia, but here’s another good, solid answer to the question: One of the major insurance agencies just announced that they were going to raise premiums on the Tesla Model S about thirty percent. They are doing this because they aren’t making enough money on Tesla policies.