I can’t find the ones I saw before, but just searching “insurance” here brings results like this or this which are actual horror stories (both the ones in the posts and the ones in the comments).
It seems to me that queue issues are the same everywhere, with the difference that in the US you pay to wait. I’m glad your experience was different and I’m sure not everyone goes through that stuff, but the fact that it happens at all is pretty dystopic to me.