To the extent the companies are colluding on rates, that hurts the sellers and the buyers on any marketplace. If the company is using some AI model to resolve

To the extent the companies are colluding on rates, that hurts the sellers and the buyers on any marketplace. If the company is using some AI model to resolve disputes against statutory and contract requirements, same problem. Same thing again with deceptive conduct and misrepresentation, if you take a dollar from one million people that you wouldn't have without deceiving people, this is a good area for regulator (like FCC) to handle. Class actions as an alternative seem to end up with a worse result.