So much this. I get if the system incentivizes health insurers to act this way, and I get that it's unreasonable to expect unilateral disarmament of anyone.

But FFS, surely they have to realize this situation is unsustainable? Shouldn't we, at a minimum, expect them to be sharing their insight into why they (feel they) are forced to act this way, and what reforms would fix it?

If all they ever do is cynically game a system that they know can't last, and which they know is creating people with an extreme grudge against them ... yeah I'm fine with calling that some combination of irrational/evil.