This is the exact reason why I am dedicated to building a first party, bad faith, insurance practice as part of my law practice. Among the many issues that Americans face far too regularly: insurance companies deny claims with absolutely no basis to do so; the fact that vision and dental are somehow treated as separate from one’s health (this is an odd legal fantasy we should not put up with); and finally the fact that both federal and state mental health parity laws are never practically enforced. These and other practices are a result of the lack of regulation and accountability insurance companies are held to. In other words, they have no incentive to do what we pay them to do, since no one is forcing them to do it.
It isn’t just that we are on the verge of ceasing to be a democracy. The fundamental problem in the American culture is that integrity and honesty are no longer considered priorities, and our politics and the illness profit system are perhaps the greatest examples of what we have become.