@bloodnok - you might find “this BBC watchdog article”:http://www.bbc.co.uk/blogs/watchdog/2011/10/travel_insurance.html interesting, it’s about travel insurance dark patterns.
@uberbaud - that’s not the definition of “profit” used by accountants and economists, though I agree with your general sentiment.
@DavidBennett - I think honeybees are fine, upstanding members of the insect community. I was talking about “these guys”:http://webecoist.com/2009/08/13/6-deceptive-insects-that-arent-what-they-appear/ . Re: your idea of a business that offers a free trial with no credit card up-front: there’s nothing deceitful about that, but if the free trial is expensive for you to run then you’re in trouble.