Comment by potato3732842

A big part of the problem here is that ships and trips that don't by the numbers benefit from buying insurance are being forced to so there's a whole ecosystem of various shades of sketchy insurance insuring all sorts of mundane things and so sketchy insurance is a poor heuristic for "they might be up to no good, it's worth looking into them".

There's an artificially oversized haystack the needles are hiding in.