First off, you are the one on a soap box against insurance companies. If you hate them so much, don't become a customer except in situations where you have to.
I did not say their motive is to protect me, but if ANY business wants customers, they need to keep costs/prices reasonable (loss prevention in ANY business) so they ARE indirectly protecting me.
I am not on a soap box, because I feel exactly what you posted THIS time when you did explain your views well. If you need a massages, claim that, pay for extras out of your own pocket, no problem.
I am sorry that you feel I am on a soapbox because I do not want to pay for everyone else's HJ's (as I clearly stated).
And yes, I am passionate about not getting ripped off. We all should be.