Not unlike the experience many Americans have of fighting their own insurance company that they already pay a monthly premium to.

The lengths insurance companies will go just to avoid adding to a deductible are, given the circumstances, rather disgusting.

They don't seem to produce any savings. Are credit card companies much different? Why are their CEOs making millions of dollars? Is it all supposed to be because of innovation in preventing fraud?

As with health insurance companies I too have found in reality their way of dealing with these things leaves much to be desired. The way they treat it seems transparently like health insurance - add minimal value upfront, then wear you down so you never actually get the service or "value" they were supposed to provide in the first place.

That shitty service is the margin padding that multi million dollar salary. Where's the innovation?

So much of the economy seems to be about wrongly extracting money from people, and then only giving it back to the people who have enough free time and persistence to endlessly argue and haggle for it.

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