The whole point or insurance is exactly to do what you have described. To pool risk. Insurers are hoping to reduce risk to increase profit while basically destr

The whole point or insurance is exactly to do what you have described. To pool risk. Insurers are hoping to reduce risk to increase profit while basically destroying the concept of insurance itself. This is exactly why insurance should by law be a non-for-profit enterprise. Making it a capitalist enterprise will always lead to these sorts of games.