To some extent this is like the garbage for profit universities, for which Federal student aid is the target and the wrecked student finances are merely collate

To some extent this is like the garbage for profit universities, for which Federal student aid is the target and the wrecked student finances are merely collateral damage. In this case insurance money is the target, and its not important whether anyone is helped. What makes such problems difficult is that they precisely cannot be solved by throwing more money at the problem which in many cases can exacerbate them.