[giantrobot]

I didn't accuse insurance companies of price gauging. I take issue with the difficulty of getting money back out of an insurer. Some types of insurance make it incredibly difficult to get them to actually pay claims. In fact many insurance companies deny claims by default banking on the fast many people will give up on the claim.

Insurance is not inherently evil or bad but insurance companies tend to be very scummy in their actual behavior towards their customers.