There are exceptions to this rule, and I am sure you are aware that all industries do not have the same ability to change providers, like say telecom.

You are NOT going to be changing houses and care homes very regularly past a certain age.

The animal that you pilot, will simply not have the capability to power through the change, remember every item, keep on top of documents, bills and more. You will not necessarily have friends and family to help you through this.

Going to court is unpleasant, since it will mean you are going to spend the rest of your life fighting. You may count on the fact that some portion of people will be fighters, and willing to sue, but thats statistic is of little comfort if you are the one fighting.