

It really depends on the company. Some look for any way to squeeze you. Others are pretty decent and probably more efficient as they dont waste as many working hours on bullshit claims and claim resolution.
Also if i rent a car i want things to go smoothly. I got places to be. You make my life easy, ill happily pay again and do my best to make yours easy too.
Yes, it is intentional. And the “never attribute to malice what you can attribute to incompetence” trope is clearly wrong in the context of politicians.
When they do these things they know what they are doing and who they are doing it for. Imagine an engineer would have designed 10 generations of exploding phones. Would you say it is just incompetence after the third one? So why give politicians the slack to always be “incompetent” in the same way over and over again that just so happens to defend the interests of the oligarchy against the normal people?