I suspect that one screen comic or a 20 second video could explain it. Instead they give us a wall of text that even technical people can't understand.
Annoyingly, AWS won't allow you to lower the quotas aka service limits. They can only go up. Even after you completed the project and don't need them anymore, they remain forever and create an increased risk.
Can you please explain in more details why do you think this is bad?
Right now, both careful drivers and aggressive drivers pay the same amount for insurance, which means that careful subsidize aggressive ones. Tesla scoring separates those groups and promotes more safer on the roads.