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I find it interesting the research on this question never seems to go into why people apparently won't pay a fee, or at least it never seems to be reported.

Could it be because the industry has conditioned people to think they don't have to pay? Could it be a lack of trust of insurance companies and brokers?

No, it couldn't be, as commissions are at the heart of those reasons and we all know commissions are the solution, not the problem. After all they are working perfectly well for everyone. Well except for the clients and they don't matter.