Whi is the failure of actual insurance not seen as criminal contractual fraud?

Actual insurance is crowdfunded as well depending on how you look at it. The premiums provide the funds for claim payment, the profit is pulled from that by denying as many claims as possible.

Actual insurance could work if it was handled by a nonprofit. Or, you know, the government.

Solving the problem would cut into their bottom line.

I’m glad someone beat me to posting this. Brennen is the best.