I don't think you can say the companies themselves are evil. Evil implies a deliberate choice to hurt people instead of helping them. I don't think insurance co

I don't think you can say the companies themselves are evil. Evil implies a deliberate choice to hurt people instead of helping them. I don't think insurance companies have that choice. They're in the business of collecting modest premiums in return for being on the hook to pay out large amounts of money for the few most sick patients. Of course they're going to drag their feet on paying and try to get the sick ones off the books. If they paid all the claims, they'd be out of business. They don't have a choice, so you can't call them evil. The unfortunate second-order effect is that it attracts the wrong kinds of people. They need software to find people most likely to cost them money, and jack up their premiums until they switch. Would you want to write that software? Like, the line of code that says, if policy.expected_payout > policy.current_premium*0.6: policy.schedule_increase()