Perhaps a specific Zenefits example of employee incompetence is of use here.<p>The lady in this example is clearly not competent, and should not be selling products that people depend on for their health.<p>Not sure why you feel having gone through the hoops to demonstrate competence, learn about the various products, and how to advise clients of their options is merely &#x27;rent seeking&#x27;.<p>---<p>&quot;I made like $15,000 in the time I was there, just on commissions. And I never got my license,&quot; said an insurance salesperson who left Zenefits this summer. She estimated she had more than 100 conversations with different customers about insurance. &quot;I took my test three times in a row, and I failed. They still let me work.&quot;<p>Without her license, she had to improvise on calls with customers.<p>When faced with a tricky question, &quot;I would just google it,” she said. She would tell the customer, &quot;Hold on one second, let me email the expert, he&#x27;s on the line, hold on one second, I&#x27;ll get back to you.” But in reality, “I would pick one of the first three links and I would just go off of that.&quot;<p><a href="http:&#x2F;&#x2F;www.buzzfeed.com&#x2F;williamalden&#x2F;zenefits-under-scrutiny-for-flouting-insurance-laws#.bhVQBA63G" rel="nofollow">http:&#x2F;&#x2F;www.buzzfeed.com&#x2F;williamalden&#x2F;zenefits-under-scrutiny...</a>