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Notes -
In The Rainmaker, the villain is a CEO of a health insurance company who sells door-to-door and then denies delays defends. It culminates in a court scene where they read from the real secret manual that states their policy to initially deny every claim. What I got from it is that the incentives of the insurance business, and health insurance in particular, are horrendous. Nowhere else do we give ruthless people a nice, clear, legal chance to fuck us over for hundreds of thousands of dollars. Of course it’s immoral, but I would argue it’s also immoral to tempt your fellow man like that. And stupid.
It’s like feeding a wild beast scraps of meat for years, and then, when he’s grown to terrifying proportions, you walk into his cage and announce that not only won’t he be getting any meat going forward, but you expect him to give you most of his food now. The real question is why anyone is naive enough to expect anything but immediate disembowelment and consumption.
That's a movie though. No real world insurance company has such policy. Or any "secret manual" at all - how would they even keep it secret? Would they murder their ex-employees? Wipe their memories? Relocate them to the remote uninhabited islands? US Government can't keep secrets. US Army can't keep secrets. How can you expect that a "secret" policy which literally every adjuster should be familiar with - otherwise how could they deny every claim? - would be kept? Movies are fun, but they are also fiction.
Of course it’s fiction. But unlike countless other movies where the CEO sends an assassin after the hero, I find this one’s motive, means and opportunities frighteningly realistic.
As to the detail of the secret manual, I don’t find it that far-fetched. In my experience of the professional world, a lot of shit of questionable legality and morality goes on, but people have mouths to feed and everyone’s doing it, so they just get on with it. I’ve observed that most people, if their boss tells them to lie or to ignore a tax the company should pay, they do it without fuss. I'm not sure they'd put it in a manual though.
Sure, that can happen. However, if the boss had a manual, given to every single employee that joins the company, that instructs, black on white, to not pay taxes and lie to the IRS - wouldn't you expect at least one disgruntled employee over the years to send it to the IRS (or, alternatively, the local anti-corporate crusader) and the boss get in trouble? Unethical orders are often given verbally exactly because it leaves no proof and provides plausible deniability - "I didn't mean that, he just misunderstood me!".
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Not that I disagree with your main point, but this is only true for a given value of "can't". We didn't find out about Rachel Levine putting pressure on the WPATH to remove minimum ages for gender affirming treatments, in violation of their own procedures, because some good soul either in WPATH or in the Public Health Service decided to squeal, we found out about it through a set of improbable events that culminated in the Attorney General of Alabama getting access to internal WPATH emails.
This is without going in to more obvious things like: you can't know about secrets that stayed secret.
Sure, I don't claim every secret will be promptly revealed. I claim a secret of this magnitude - existence of a secret manual which is given to every claim adjuster in the insurance company, and plainly states every claim must be denied - is very unlikely to survive for long. I'm sure there are secrets - probably very dirty secrets - that do survive, but they are probably not as widely known and as easy to reveal.
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