It was a rhetorical question. Why not increase surveillance to 24/7.

There is no defrauding going on. You don't own someone's behaviour or property simply because you "insure" them.

You get to reject claims and put your opinion on what "fraud" is, through the proper channels.

Taking photos and dropping customers is going around the proper channels and tyrannizing your customers.

How that is not obvious to everybody involved, is beyond me.

Drop the pretense and install a command economy again like the 1940s. You are leaning in that direction anyway.