I can see where you're coming from. It shouldn't scare you, just make you think. Getting scared would be like watching "Dr. Strangelove" and then running to a bomb shelter because you just KNOW it will happen to you. Do you expect rates to go up right away? No large company could conceivably and/or efficiently do this, since it would require lots of engineers to design new systems, people running cost and revenue projections, lawyers making sure it's all legal, not to mention U.S. courts potentially getting involved. Rate hikes would be a very gradual thing if they happen at all.