They attempt to, sure, but it rarely works. Now, with AI, maybe it might, but that's sort of a worse outcome for the specific human involved - "If you're just an intermediary between the AI and me, WTF do I need you for?"

> or moving it to insurance agencies.

They aren't "moving" it to insurance companies, they are amortising the cost of the liability at a small extra cost.

That's a big difference.

Usually thats after the premiums become too high for most people to pay.