I'm happy to believe they're sinister 100% of the time. What they clearly aren't is stupid. If they are spending money to incentivize behavior, it's because tha

I'm happy to believe they're sinister 100% of the time. What they clearly aren't is stupid. If they are spending money to incentivize behavior, it's because that is in their financial best interest. In this case, it just so happens that their best interest (not wanting to pay for care) aligns with mine (not wanting any more care than I have to have).