Time to step in

Honestly in my opinion if we as private citizens did what insurance companies are doing to victims of natural disasters these days we would be thrown in jail for fraud and have our assets seized.

These people have paid through the nose for services.Never rendered and also for coverage that evaporates. If I would give you a product.Or guarantee that I would do.The work when asked took your money and then disappeared.I would be facing criminal charges.

I don't.
Give a d*** what kind of money and corporate lobbying power.They have time to put the pressure on these companies. Be there for your clients pay up and quit putting your responsibility back on the people who have paid the tab.

Same for the medical industry.Make medicine affordable fairly priced and available to the people who need it.I don't care if it is price setting do it.