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I sued an insurance company for breach of contract. The whole ordeal took three years and ended up costing them upwards of $800K in lawyer/legal fees (though they never admitted guilt). During one deposition their in-house MD who made a determination on my health without ever setting eyes on me bragged how she had developed a complex script for the handlers that helped them successfully dump 90% of patients with the same life-threatening illness I've been living with for years. This is not capitalism in that it is not a clear product or service, honestly delivered to a consumer in exchange for an easily identifiable price. The right wing loves to protect these industries in the name of the free market but this is not free market - the power dynamic is teetered so much in their favor that this is closer to fraud than free market capitalism.