One snare is that that a lot of overhead takes the form of jobs in the insurance industry. Any reasonable plan to reduce that overhead means eliminating all of those jobs.
2. Nobody has a right to earn a living by causing suffering to others.
2. Is a good slogan, but understand that most of those people don’t think they’re doing a bad thing. Spending too much time demonizing the line level workers at insurance companies is probably counterproductive.
But the principal still stands, no matter how much I may sympathize with someone they don’t get any right to make income from causing other people suffering.