When I was an MS, the congregation had a loss and needed to file a claim; the elders wouldn't do it, saying the 'society' 'discouraged' claims.
I said, why stick with the 'society' if you can't file a claim, and when can we switch? This was not fair to the brothers and sisters who contributed the money; they were not getting their money's worth. Who would keep using a company that 'discouraged' claims??
All I got was quizzical looks.