The worst part is that this will be connected to another AI. The insurance company's AI chatbot responsible for verifying claims. 'You took illegal drugs hence your claim is denied" and "there are no humans available to review your case. write to us and someone will get back to you". This will be followed by a "deep search AI agent" responding multiple times before it is sent for a human review. And even then the risk of AI misclassifying it as a routine question and not an urgent payments related question.
And I am sure people will still defend that dystopia with "companies send canned response all the time".