Very true - on a slightly different note, my company cleans up in the insurance / claims management side by implementing a system of policy management not based on table lookups but by allowing our providers to build rules and flows of their own. You wouldn't (well, perhaps you would) believe how many claims processors rely on database tables hundreds of columns wide to cover every permutation for a policy possible, and how (relatively) easy it is to convert those into boolean logic and simple rules along the lines of "IF AmountPaid > Deductible THEN" etc.
We achieve auto-adjudication of claim rates into the low-mid 90th percent, whereas most of our competitors are in the 60s to 80s (and some clients, inefficiently using those competitors, are as low as 30% auto-adjudication when they come to us).
But working on the insurance side of things increasingly tweaks my moral compass the wrong way...
Indeed, there are many things that can be done simply at first, then you have to reach for the higher hanging fruits.
However I would not call that "the wrong way" - for me, it's moral and logical. Maybe I'm too zen about that, but for me it's about increasing efficiency.
Generally speaking, if somethings feels wrong to you, you shouldn't do it. Works for every topic - because we each have our own morals, and it's soul damaging to go against it.
We achieve auto-adjudication of claim rates into the low-mid 90th percent, whereas most of our competitors are in the 60s to 80s (and some clients, inefficiently using those competitors, are as low as 30% auto-adjudication when they come to us).
But working on the insurance side of things increasingly tweaks my moral compass the wrong way...