0.) What is "person is susceptible to disasters"? You seriously suggest there is something shameful about people who had parents die/car accidents and such people should keep it secret?
1.) Companies and services are open to criticism from their customers or providers.
2.) If you allow and accept positive subjective reviews, you should accept negative subjective reviews too. They are part of the system.
Free market requires access to full information, that means both good experiences with provider and bad ones.
Medical expenses are a top cause of bankruptcy in the United States (and many other countries). Dealing with this possibility should be a top priority. A person who is going to get wiped out financially by a car wreck is far more susceptible to disasters than someone who is covered by insurance. We don't know how severe the injuries were, but without insurance, even something relatively minor can wipe you out.
Back in the day, many employers provided insurance plans which would cover for things like this. The employee would miss some time for the injury, but the medical costs were largely covered. My parents were relatively poor and I had a life-threatening illness (months in the hospital) which was fully covered by insurance.
When you're working for yourself, you have to cover for these potential disasters. Money pending in your Freelancer account shouldn't be part of that planning.
1.) Companies and services are open to criticism from their customers or providers.
2.) If you allow and accept positive subjective reviews, you should accept negative subjective reviews too. They are part of the system.
Free market requires access to full information, that means both good experiences with provider and bad ones.