"Pervading the offices in San Francisco and Arizona, meanwhile, was an almost fraternity-like atmosphere, with whiskey shots, kegs, and bottles of champagne."
Just not a good place to do business with. I can appreciate having fun at work, believe me I can, but as someone who spent nearly a month without insurance because of a screw-up on my insurance company's side (completely unrelated to Zenefits), and the absurd lengths I had to go to to fix their problem, seeing all this shoddy work on Zenefits end makes me really sympathetic to their customers. Medical insurance is heavily regulated for a reason, and I can't imagine the clusterfuck that could happen if Zenefits screwed something up when providing insurance for a company and one of its employees ended up without insurance and then used their (nonexistent) insurance at the hospital.
I have to say that your attitude here is more forgiving than is deserved.
Problems such as being without proper health insurance can cost lives.
I myself have been forgiving in the past about such things; but that attitude was born out of an ignorance I had that everything on the back end was being handled as well as possible. After reading this article I am now much more concerned.