I cannot believe than financial institution actually get access to test results...How ridiculous!
If you have been tested, as I have, it only makes you a more responsible person, it doesn't mean anything else!
So, just for the sake of getting cheaper insurance/mortgages, people should just lie, and pretend it doesn't exist?
It isn't a case of it being a disease that only affects "certain populations" anymore, it can affect ANYOBODY. It doesn't matter if you have unprotected sex often or just the once, it only takes one time! Not getting tested on the basis that "you haven't had many partners", or "you're not in a dangerous group" is, I'm sorry, absolutely irresponsible.