[RileyJames]

What you’re suggesting is fraud. There are already penalties for it.

While it might create an incentive, it’s a very high risk activity.

It also creates the right incentives for the company that it should:

A) not create policies that can result in ‘ruining a consumer’s life’ or at least do so knowing that it is a high risk, high cost activity.

B) know that if they choose to create such policies, they need to be adequately monitored for fraud and false positives.

That seems like a positive outcome.