My mother had breast cancer. I couldn’t get a test to see if it was the inheritable one because then I would have to disclose it as pre-existing for the rest of my life. (For the record my mom took the genetic test and it was negative).
This is just one example.
What if in future, your insurance price depended on an inheritable diseases DNA clearance. You could refuse but then it would be $$$$$. What if my life insurance refused to pay upon my death because I had knowledge of a gene that causes cancer when I took out the policy?
PS not American.
I use 0400 000 000. I’ve had a couple of looks, but just smile and nod. I also have a spam that’s called <name>'sSpam@hotmail.com. I should make a spam account without my name though. I never log in. It might be dead by now.