For insurances... there's a reason why the three bullets of the plumber's brother were labelled "delay, deny and depose". You don't need a grunt to compose a denial order. Just let AI default-deny everything, most people won't have the energy left to battle the system or they'll die anyway before the claim finally sees an independent judge.
And as long as insurances aren't severely punished for denying claims that are found out to be valid later on, this dynamic will just continue as-is.