It's not a strawman. There are insurance policies out there that are well-disguised crap. People buy them and get screwed over when a claim finally gets filed. We stop the Chinese from selling their death-trap cars in the US because when a car gets the very rare "Zero Star" crash test rating from the IIHS, it shouldn't be on the road. People would have bought them, I think the plan was to sell them for like $6000. A bad product is one thing, but a bad product that can ruin lives because of it needs to be handled.