Fuck disruption. I for one actually LIKE human contact with service providers, especially if the cost of them fucking up might be my life, not loss of Internet access for a day. Having to video conference with some pathetic excuse for a doctor in India behind a screen would make me want to jam a smartphone with app up the anus of the CEO of my insurance company with a 5# sledge.
Believe me, some “millenial targeted” in$urance companie$ are experimenting with shitty service of that type. OSCAR in NYC being one of them. Apparently, people really love them. Takes some serious effort to win a 2* average review on Yelp..