Chaotic Good

Well yes but actually no. The point of insurance is to pool risk so that catastrophic and unusual events don't financially destroy people. The point of insurance companies is to make a profit and make the line go up for their shareholders. When those two goals are in conflict, the latter wins.

Speaking as a US citizen who's dealt with insurance his whole life, it's a giant fucking scam. It's probably the single biggest scam in the world, and I'm honestly not sure if I'd prefer to deal with them or the IRS scammers again. At least I got the IRS scam people to break script and talk to me human to human once.