"i guess i was wondering whether that kind of a system would be fairer with respect to insurance too.

such that people pay less for insurance on dogs that are neutered / spayed, obedience trained, obtained from breeders who are breeding for desirable (as in pro social) traits) who have fully fenced sections, who can sit a good ownership test to demonstrate competence in caring for them, etc etc. just a thought..."

Everything highlighted we have done. Sent certificates etc to them and thet still refused.