It almost makes me wonder if the solution is the same as for arbitration clause. Giving users the ability to fight it in a semi-automatic way as well ( so AI generated response plan, calls and so on ). I am not entirely certain where it would go, but.. where we are at is already annoying. I have a good medical insurance and they still keep trying to chisel any way they can ( wife just got a letter asking to confirm she does not, in fact, have a health plan in her job ).