I would counter this by saying we might all be better off if consumer protection laws were stronger and actively enforced against this.

I don't really have a problem with offering discounts to members of X program, or if insurance is pre-selected.

But the advertised price should be inclusive of everything (taxes, fees, charges, etc) and the price available to the general product before membership-exclusive pricing.

So if you advertise a product for $100 then any normal person can pay $100 and get it for that.

Want to sell it from cheaper to members of your reward program? Go ahead. But it can't be the most prominent price advertised for it.

You want to sell insurance pre-selected? No problem but again the default advertised price needs to include it. Even if they can opt out for a cheaper price.

There are sure to be edge cases. But the point being is that the price you advertise most prominently needs to be the all-inclusive price any member of the public can get without having to fight to select the correct option.

We don't accept misleading and deceptive practices in other areas, why do we let airlines, hotels and hire car places do it?