I don't think you understand how medical insurance works or how fire insurance works in most cases. With medical insurance you never receive payment without sp

I don't think you understand how medical insurance works or how fire insurance works in most cases. With medical insurance you never receive payment without spending at least as much on the treatment and in most cases the payment is made directly to the provider. With fire insurance if you have a mortgage the payment is made to the lender who hold it until the repairs are made and many insurance policy require that the money be spent on repair or pay less if it is not spent on repairs. All of these rules and procedures are to reduce fraud and limit costs.