Your argument would make perfect sense if we were talking about insurance coops or government-issued insurance. But as long as we're talking about for-profit in

Your argument would make perfect sense if we were talking about insurance coops or government-issued insurance. But as long as we're talking about for-profit insurance companies, they can get fucked. There is literally no difference between for-profit insurance and gambling. They knew the risk they were taking, and now they're trying weasel out of paying.