Ooph, now the AI will be wrong and the human won't know it. And that's running our... let me see... life saving care. Cool. cool. cool.
I think that two arent as different as you believe.
The only time that works if you have no assets or presence in the US, or I guess you have an in with the US president.
It is super hard to build class cast action and suing companies for denied insurance claims is also quite hard - and super expensive. Besides, the current management dont need it to go on forever, they just need it to go on for now. If company gets to pay fine 20 years later and you already pocketed the bonuses and salary, why would you care?