Exactly. They want to bring in exponentially more premiums than what they spend on advertising, and the new premiums are what provides the cash to pay other policy claims. It’s really kind of an accepted form of Ponzi scheme. They are gambling that they will find enough people who will never need to make a claim in order to afford the few that do.
You can’t please everyone, so pick the audience you want to write to. If you don’t care what angry white guys think, then create your characters however you like.