> Nobody likes how insurance companies do business, but that doesn't make it "crime".

The way they "delay, deny, defend" as a matter of course shows a lack of a good-faith execution of the insurance agreements, to the point that a sane world would understand it as extremely obvious (and documented!) fraud. Sure, it is de facto not fraud, but tell that to someone who didn't get insurance payments which they were owed to pay for life-saving treatments (or, I guess tell it to their grave).