Would like various opinions on the following please. What is yours?

unfortunately its the law makers who make these laws, and how they come about is they get lobbied for in congress etc. and voted on . the insurance company's hire people to lobby for them to get the laws to work to their benefit as much as they can, basically boils down to money, the more money you have the easier it is to get what you want. and the insurance companies have a Hugh pocket book to work with.