You’re asking them to explain why the rule of law discourages behaviours deemed to be against the law. You should be able to find evidence for that yourself, it’s an elementary tenet of any judicial system.

“Prove a negative, please!”

Fuck outta here

You want me to provide a list of laws that insurance companies are not currently violating?

How about the one that you say they will violate? They’ve been not violating that for years since it was passed.