Thanks for the reply. There is a clear difference between claiming extra insurance money and what I'm doing: lying to get more insurance money is fraud, while what I'm doing is exactly what the service is intended for (sending money to others for free).

But using your framework of, "if everyone did this, how would this affect the business and others using the business," then I (and many others) are doing a lot of other unethical things. Ad blocking and card counting (in blackjack) clearly would be deemed unethical under this criteria, but here's a bunch of other more tangible examples.

There's a popular pastry place that has 50% off sales on Sunday afternoon because they are closing Monday so they sell the remaining stock at a significant discount before close. I only go there on Sunday afternoons, but if everyone did that, then the prices would go up for all.

Another thing I do is using the books, video games, movies, and streaming services offered by my library and never buy any real media. But if everyone did this, then bookstores, theaters, and streaming companies would go bankrupt.