“Wasn’t the system supposed to be fixed?“

Why would it be fixed? Insurance companies aren’t willing to invest in oversight, and everyone else profit, there is no incentive for changing the system.

Nepal is a low income and high corruption country, where the government and formal business structures are unstable enough that 'tipping' becomes common even for government investigators...

It's basically a way for everyone to get more tourists dollars, which is one of Nepals primary exports.

If the cost to an individual insurance company is low enough (in the few millions) and they're not really at risk of it suddenly exploding, and the cost for them to mitigate is also in the millions (or risks killing a customer), they're unlikely to improve. Fight Club, but the other way around.

However, if they all gang up together they might do something - but that can cause other issues (a local insurer becomes the only insurance available, etc).

Just include helicopter rides in the ticket. These aren't adventures anymore - just "natural" theme parks for monied elites that need talking points and social media posts flexing their wealth. Does Six Flags charge your insurance for security to drive you back to your car?