[cogman10]

Man this is a hellscape.

I can quickly see something like this turning in an AI arms race between insurance and the provider with each auto-approving/denying/disputing the other. All the while locking out smaller players because they can't afford the 3rd party disputotron.

[actionfromafar]

In fact, you could take out an insurance which will help with the Disputotron costs, should they arise. No you can't know the costs in advance.