I fully agree. However, the converse is also true: we don't actually know which protocols are there because they're social, and which are there to benefit the

I fully agree. However, the converse is also true: we don't actually know which protocols are there because they're social, and which are there to benefit the insurers. Both could motivate cost cutting. I want to see the difference. I want whatever the full story is laid out in front of me.