Group 1 - The article highlights the absurdity of "customer reward tours" organized by insurance companies, where tourists are coerced into shopping at overpriced stores, revealing a gray chain of low-cost tourism [1][2] - Insurance company agents disguise low-cost tours as customer benefits, collaborating with unscrupulous travel agencies to exploit tourists, leading to a loss of consumer rights [1][2] - Tourists face intimidation from guides, who threaten that failure to purchase will result in being unable to return home, while insurance company representatives side with the guides against complaints [1][2] Group 2 - The article discusses the ambiguity of responsibility among insurance companies, where agents claim no affiliation with the company after incidents occur, creating a cycle of consumer rights violations [2] - It emphasizes the need for a comprehensive regulatory approach to address forced shopping issues in the tourism market, including establishing a dynamic review mechanism for travel agency qualifications [2][3] - The article calls for a shift from reactive consumer protection to proactive governance, as insurance companies transition from "risk guardians" to "trap designers," undermining industry credibility [2][3]