There is no "works for everyone" method to stop this. You can vote with your wallet, and support vendors that act ethically, or act in whatever way you are OK with. When this type of UI disappears from the internet, then you will know that the majority of consumers agree with your viewpoint. Until then, people keep buying those insurance upgrades, and not caring(if they cared, we wouldn't be in this situation). If it…
In a situation where you are legally compelled to buy insurance and essentially all providers do this that's completely wrong.