The age of Scams

Why are consumers being scammed by the insurers and no authority bothers to do anything about it? Why are the workshops continuing to scam the insurers who in turn pass the buck to the car owners? Really, that there is no way to curb the scam, like loan shark harassments?

Scamming and cheating the consumers seem to be fair game as there are profits to be made, depending on which side one is on