They are a business, I do not see it written anywhere that they are obligated to have a heart. They are there to make money. It’s not a secret. Even the Mutual of Muncie places that are technically \co-ops have such mechanisms in place.
Given that there the percentage of people willing to rip off a company equals companies ripping off people, why should they not have a mechanism in place to control fraud?
Start and run a similar company and see if you don’t things the same way in order to remain in business. Or better, do it your way and show folks how it should be done.
