So what happens when a pilot decides to test modifications to his glider and
does not listen to the voices of experience

"but ITS MY LIFE AND I CAN DO WHAT I WANT WITH IT, THANK YOU
VERY MUCH!

Kirk (last bastion of stupid individualism)
66"

In this wild hypothetical the pilot is just obstinate and foolish (is that
redundant?) and he kills himself. Will our insurnce rates go up do to the
change in actuary rates???