Subprime mortgages aren’t illegal?

Insurers have auditing requirements to prove what goes into the policy calculation. It is impossible to hide illegal data use at any meaningful scale, and no insurance agency is looking to save a buck on a small number of clients.

Your comparison is irrelevant.

Illegal or not, look what happened after 2008. Clearly regulation has failed, so there is no reason to think it won't fail in the case of DNA data.

There was never regulation to begin with.

I am absolutely sure there is no one who would call mortgages "unregulated" in 2008. That the regulation is insufficient was determined later - and way too late.