Nobody is forcing you to take poison, and saying "Well Microsoft promised me it isn't poison!!!" at this point, decades into it selling poison, doesn't make much sense.
Literally anyone off the street can be a "decision maker" in technology today. Just buy what everyone else is buying and collect a huge paycheck while working remote. People who understand tech and sort of know what they are doing, are not included.
That has been my experience.
When he asked me to email him scans of a bunch of personal documents, I asked him for his PGP key.
..."What's that?"
Of course, if insurance companies were rapidly held to account by courts, a core function of the courts if there ever was one, there would be no problem here.
Which is probably why most governments are defunding the courts.
Somehow the "accountability" shifted from meaning "being reaponsible for not defrauding, lying" into "it is fault of people who were lied to".
It's like a person voting for Trump the second time being confused at all his lies, at this point basic education would get you out of this.
You are not correct.