Indeed, using that technique, we can reach the upper corner of the figure. But from an economic perspective, it cannot be seen as “perfect” since there is no longer risk pooling here. And from a statistician perspective, it might be perfect, but clearly with zero predictive power ! It can be seen as an heavily over-fitted model, that works perfectly on the training sample, but will have no predictive power at all on the validation sample.
Let us try something a bit more realistic. Like some machine learning algorithm, like a boosting one (since many people doing data science claim that boosting is usually a great technique, with great predictive performence).
> Library (DISMO)
workout routines 13 year old boy workout routines 15 year old