Create a problem, offer a solution but charge a fee.

How can I know the problem wasn't created intentionally in order to collect fees? I'm not accusing anyone of any wrongdoings. I'm pointing out the fact insurance scams exist.

Take one account, downvote people. Offer insurance with another account, upvote people. Skim profits. Keep them paranoid and paying. Business is slow? More downvotes. Brief periods of no downvotes, still collecting fees. Competitors roll in. More downvotes.

There's the worst-case scenario.