That's a really good point.

Imagine your dog gets run over, you rush them to the vet but ultimately they die and your thousands out of pocket. You call the corporate helpdesk to log a claim because there isn't anyone else to contact, they offer you $300 in credit for immediate resolution or you can dispute. You become upset because your dog was more than a credit refund, the call centre drone says that you've become aggressive, that you can call back during business hours and hangs up.

What a hell scape.