Dear Mark. In your 44 years as super knowledgeable in Insurance, you were also a part of the problem. So don't pretend things like this is very surprising and absurd.

Since you are retired and not involved in anything about insurance, obviously you can talk shit about it. Do not deny you are involved in part of it. Insurance cost keep getting higher and coverage keeps getting lesser. Claims paperwork is very difficult, very hassle and riddled with so much red tape and T&C that people question why need insurance at all?

Shut up and wait till you need to answer for those decisions.