They are all criminals plain and simple.

And surprised that some within the industry get upset when I say things like that.

There may be some who work within the industry who are either naive or do have good intentions. But that doesnt change the fact the entire operation of the industry is deep in criminal practices, and the government fully support them, which makes it even more disgusting.

They have little intention of offering a genuine service, and lots of intention to scam as much money as possible, whilst seeking every opportunity to wriggle out of covering people.