This is how we will lose this war. 'Everyone knows it is fake', probably the authorities too. But dealing with it in modern bureaucracy will take years, by which time another fake insurer is up and running.

I like the Tom Clancy vibes of this. There’s a Sum of All Fears in there somewhere.

On a more serious note this reminds me of the crime occurring in Canada. They have a car theft pipeline in place with paperwork at the MOT level. The cars end up being shipped to Africa in less time than you might think - this is one outcome, but there are others. Nobody really “cares” enough even though one of the mayors stated everyone they know in their neighborhood has had their car stolen.

The war was already lost, at home and abroad.