Good beef is likely the only thing I don't like "spiced". Hamburger isn't really that good, but I still don't like it adulterated.
I don't remember, but ISTR that was my brother's (a veterinarian) point. He doesn't think much of it for humans, either.
Which "they"? ;-)
They won't go after the church. That looks bad. They'll go after the people.
That's only one of the problems. The main problem is the disconnect between the insurance policy owner, the insurance company, the service provider, and the patient. The free market can't work when the feedback is so opaque and convoluted.