How about "insurance company uses built in surveillance capabilities to fleece users extra for what was previously considered normal usage". In case you didn't

How about "insurance company uses built in surveillance capabilities to fleece users extra for what was previously considered normal usage". In case you didn't realize it, insurance companies are a shadow control layer, and it is in everyone's interest to stay on top of what information insurers are allowed to operate off of, as all of them indirectsly converge on the same signals.