Competition clearly isn't exerting those pressures on the market, and there are good reasons to believe it can't, which I've already outlined: The failures of a

Competition clearly isn't exerting those pressures on the market, and there are good reasons to believe it can't, which I've already outlined: The failures of an insurance company are too infrequent, ruinous, and obfuscated for customers to make choices at enough of a scale to impose this discipline in practice