Nobody is happy with it, the people who are victimized by companies like Sutter aren't happy and I guess most folks that work at the Sutters of the country aren't happy either. They are just going through the motions in quite desperation because house payments but it sucks and what they are doing sucks and they know it.
It's kind of like the Soviet Union right before the fall. People knew there were deep structural problems, the plebs, the party officials, they had to have known. But for the time being they just kept going through the motions until one day the the farce just got too onerous to pretend anymore.
That day is about here I think. Or rather hope. The entire setup between government, insurance and corps like Sutter is very truly nuts and isn't serving the needs it was designed for. I don't think that's a fringe belief either but a growing understanding.