There are scammers that call people and claim their relative is in danger or badly hurt or in hospital dying and they need to urgently do this and that to help

There are scammers that call people and claim their relative is in danger or badly hurt or in hospital dying and they need to urgently do this and that to help them - and people are deceived exactly because the stress makes their response less measured and more susceptible to deceit. That doesn't mean that ethical company would employ such tactics in a pentest. There's a limit of how far you can go in simulation. Surely, real criminals could do it - but the company can maintain vigilance without resorting to essentially replicating the villains and causing almost as much harm to the victims as the real villains do. I'm astonished how nobody at GD could predict what emotional harm would such a trick cause. There's a lot of ways to test it without such a cruel method. Even reviews - that you mentioned - would work as well without being cruel.