I think it comes down to what you said, but for the obscenely rich.

A pro has failed more than a beginner has tried. The obscenely rich have been told ‘yes’ more than the poor have had the opportunity to even ask questions.

You can learn this type of failed behavior just like a bad habit, and boy howdy is he the master of it.

That probably IS the “secret” software. Lol Plug a phone into your car? Insurance company gets the info one way or another.