You don't have to get upset and type in caps because we've raised a flaw in something you've dedicated so much of your time to over the years.
If you can't understand that the insurance companies reviewed all of the evidence you have seen and more, with greater skill than you possess, then there is no need to keep arguing with you. If you continue the reasoning of a 4 year old, I might as well treat you like one and just say NO, and walk away.
In closing:
Insurance company experts on the line for 3bn > you, some random foil hat internet surfer
Thats more than enough reasonable doubt against your theory in my mind.