[abdulhaq]

To me, in the UK, it sounds like there is an opportunity here for some sort of centralised representation and/or app that can fight claims for people

[supertrope]

Bureaucracies begrudgingly allow a few shortcuts to exist so they can respond to regulators and media attention. But once enough customers realize it exists they will shut it down and raise the bar to keep the vast majority of peasants herded down the profitable happy path.