Sure, we all would, but this also denotes that the profits aren't going straight to the insurance company, the 7% is the very bottom line, this is after liabilities are paid, including loans, regulatory, salaries, and other expenses, it's similar yet different for any viable business. Plus, the major health insurers are publicly traded companies, so the 7% left of the billion net profit will now be divided by the shareholders and else reinvested, so if you could get all of the 20% if 1000$ personally, or
.0065% of the 7% of the billion dollars which then looks nicer?