Possibly, but there are surely fewer companies eligible for making such a claim than there are individuals. Depends how automated you can make it I guess. And w

Possibly, but there are surely fewer companies eligible for making such a claim than there are individuals. Depends how automated you can make it I guess. And while I'm not one to get overly upset if certain compensation schemes are slightly vulnerable to fraud, you still need to maintain public trust in such a system for it to have long term viability, and individual- based schemes are surely more expensive to police/regulate.