Insurance companies that make a profit are strongly incentivized to maximize premiums and find excuses not to pay claims, which is exactly what TFA suggests. Do

Insurance companies that make a profit are strongly incentivized to maximize premiums and find excuses not to pay claims, which is exactly what TFA suggests. Doing these things is exactly what gets you a nice bonus if you're a manager at an insurance company. A non-profit organizational structure removes such personal incentives for customer abuse.