I've had #unitedhealthcare as an insurer before, I didn't know there was a 30% chance they won't pay out. That's like scam level. If a life insurance company didn't payout on 30% of deaths, it would be considered a scam.
We shouldn't be asking why the shooter shot them, we should be asking why we aren't all shooting UNH, legally-like, by passing laws with capital punishment for finance crimes involving customer deaths.