Which is why I prefer a true mutual, the prime directive of which is to serve its members (i.e., clients), and *NOT* be publicly traded for the profit of shareholders. I see something right about that....

This is also why I prefer credit unions to banks, as well.

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but when people actually need that service that they've been paying for, do they want to play fair?

I can understand their point of view -- remember that the prime directive of an insurance company is not to provide protection for their clients, but to provide profits for their shareholders.

blah blah blah