“If I were paranoid, I’d almost wonder if banks ever collude with insurance companies.”
No need to be paranoid, that is exactly how greedy industries work. Healthcare, Auto repair, Banking, Real Estate, Insurance... Anything and everything they can do to screw the customer out of one dime more. It is crooked business.
Individuals are that way too. I knew a retired Sheriff who sold his business over and over and over and kept the down payments. He would plant drugs on their property and then call in Drug Enforcement to bust them, break their pocketbook, then get it back as the lien holder. His wife finally felt guilty and turned him in for it. Of course he didn’t go to jail for it, he had a get out of jail free card and was buddies with the local judge and DA.
Oh my God. I am speechless.