So? Just about anyone that sells a product or service could provide a better product or service for the same money.
The problem here is that you decide whether a person is in a class called “poor people,” and if they are, then you second-guess every one of their decisions. If they make a decision that you wouldn’t have made, then you think they are being taken advantage of. But that’s not the case. People have different priorities and decision matrices. Just because you wouldn’t have bought this insurance doesn’t mean people that do are getting ripped off. They are humans too–they made their decision.