It's worthwhile to check our assumptions - in this case, that insurers dictate all terms. Maybe it's correct. But we lack the visibility to know if it's true a

It's worthwhile to check our assumptions - in this case, that insurers dictate all terms. Maybe it's correct. But we lack the visibility to know if it's true about every component in the system. That said, I share your sentiment. He who has the gold (usually) makes the rules.