What you’re suggesting is fraud. There are already penalties for it. While it might create an incentive, it’s a very high risk activity. It also creates the r

What you’re suggesting is fraud. There are already penalties for it. While it might create an incentive, it’s a very high risk activity. It also creates the right incentives for the company that it should: A) not create policies that can result in ‘ruining a consumer’s life’ or at least do so knowing that it is a high risk, high cost activity. B) know that if they choose to create such policies, they need to be adequately monitored for fraud and false positives. That seems like a positive outcome.