The should not. But, there are unhinged assholes, in every country, this one included that do attempt, that very thing, and for reasons none of the rest of us would ever approve of. To not know or admit, these assholes exist, is to stick ones head in the sand. Politicians know this and take steps. Insurance executives, unworried in the past, now know this, and take steps. Being high profile, may make you a lot of money, with no other job, but being high profile (unlike the insurance execs endangered by turning people down on claims, based on policy, being part of the job) carries risks. Part of risk management, is the basic realization, you have risk. If the risk is associated with how you make your money, managing that risk is a deductible business expense, and an expense that should be paid. For as we know, no matter how much you would like to keep the profits in the bank, you can't take it with you, should lack of risk management catch up with you, pretending it does not exist.