[mothered]

I just dont understand people do fraud and get mad when their fraud do not work. 

I understand your side of the story and certainly appreciate your view.

Companies believe every SE Is a legit claim. As such, when things don't go according to plan, the frustration from a social engineering standpoint, predominantly stems from being mistreated by representatives, as opposed to being angry at the declined claim.

When you read threads In this forum, seldom are claims Instantly approved - the majority are quite lengthy and contain a certain degree of difficulty, which Is annoying from the early stages of the SE, hence the frustration takes effect way before a decision Is made on the claim.