Tell me why many people say that insurance is a lie.

Many people say that insurance is deceptive, some people have personal experience and have not been settled, and some people believe it when they hear it. It is true that many salesmen are misleading in their sales, but there are also customers who are insured against diseases. I studied law in college. A few days ago, one of my college classmates called me and said that her mother had cancer. Now she has spent all her family savings and only needs to sell the house. She asked me if I could insure her. I said, of course not. She said: I know this is insurance fraud, but I really can't help it now. Now that I have spent all my savings, I won't tell you if I still have a way. I have nothing to say but tell the truth. Because I know that if I insure her mother against illness, even if I can insure her in the end, the claim will not pass. Not only will I lose a sum of money, but she will also tell people that insurance is a lie. From this I think, why do so many people say that insurance is a lie? If a customer's family member dies or suffers from a serious illness and loses a sum of money, do you think he will preach everywhere: "Great, the insurance company is good, our family died and lost 300,000 yuan!" You will definitely say: sick, who will say that such a big thing happened in his family, and he will have to treat his family as soon as he gets the money. It's too late to be sad. Will he spread it everywhere? However, if a person is insured against a disease, or the salesman misleads, and finally fails to make a claim, the customer will meet someone and tell them that the insurance company is really cheating, and it is easier to collect money than to make a claim. And then from one word to ten words. In fact, insurance companies are very afraid of customers now. Even if this customer is insured in spite of illness, or obviously not within the scope of claims, as long as the customer comes to the company to cry and hang himself, it is like a medical trouble. Insurance companies are willing to spend some money to keep things quiet most of the time. In fact, this makes most people think that insurance companies are too cheat people. If they make trouble, they will pay for it. If they don't make trouble, they won't pay. You see, it's really easier to collect money than to settle claims. It's really a lie ... so to put an end to this problem, we must strengthen the supervision of sales staff. Misleading sales is not as simple as a fine. Directly stipulate full surrender and blacklist this salesman. Second, we should strengthen the professional explanation of products to customers, explain the insurance clearly, and then put an end to the noisy phenomenon. It's best to record the whole process of buying insurance for customers, and the insurance company and the customer each keep one copy, so that the salesman dare not mislead the customer and the customer dare not tell it truthfully. Third, customers must look at the contract when buying insurance and know what they are buying, so as not to be fooled.