I think we understand eachother then. If there are insurance companies out there that need people to help implement self service, then I think that's an improvement that absolutely needs to be made.
Of course, given that its insurance you will never be able to get rid of the mainframe in all likelihood, but that is also an area that could seriously be improved by anybody willing to try and dig them out of the hole they most likely outsourced themselves into (which is something I have seen a lot of at smaller banks, and I kind of suspect is what you were referring to when referencing borderline scam artist third parties).
I totally misunderstood where you were coming from in your original post, and for that I apologize.
