I still don't see the DSM-V truly meeting the needs of most of the autistic population either. That they provide a protocol of what they think we need, whether we get it or not. But then the entire equation isn't dependent only on the DSM-V either. Medical providers, federal and state bureaucrats and politicians all share some of the blame.
With your former occupation in insurance underwriting, I would hope that you understand the importance of meeting fiscal needs of clients.
Insurance underwriting in the most technical sense? Yes and No. "Apples and oranges" too.
Our job was to see that our independent agents made sure
their clients (policyholders) paid their premiums in a timely manner and cooperated with underwriting and claims. Contrary to meeting their fiscal needs, it was the policyholder who had to meet my underwriting needs to determine their ability to pay their premiums. At the same time as the client was the agent's and not the company's I had no authorization at any time to deal with any policyholder, apart from state laws requiring a broker's license. And of course, to work in underwriting if an applicant had a broker's license, they had to surrender it to be an underwriter, to avoid any questions of conflicts of interest.
Morally, insurers don't have a legal or ethical equivalent to a Hippocratic Oath. They are regulated by state governments, but insurance is really about the ability of the pubic to meet the needs of insurers. Leaving only pricing and claims service to compete in the marketplace.
But even that was a sore point to me as a commercial underwriter. Because the price levels of so many of our products were simply outside the range of being really competitive
in Northern California. No matter how I could legally justify applying credits to accounts, more often than not it wasn't enough to get the account or keep it for long.
As for claims, I was an underwriter. Not an adjuster. I could make decisions that could impact a policholder based on what an adjuster told me, but it was an internal process not to be shared with the agent.
In essence, my official capacity to look after my agents was quite limited. And if they themselves had real financial problems, that was very bad news for them much more than for us.