Google steers Americans looking for health care into “junk insurance”Â
I'm on a tour with my new book, the international bestseller Enshittification: catch me next in Toronto (THURSDAY!), San Diego and Seattle! Full schedule here.
Being "the enshittification guy" means that people expect you to weigh in on every service or platform that has been deliberately worsened to turn a buck. It's an impossible task (and a boring one besides). There's too much of this shit, and it's all so mid – a real "banality of enshittification" situation.
So these days, I really only take note of fractally enshittified things, exponentially enshittified things, omnienshittified things. Things like the fact that Google is sending people searching for health care plans to "junk insurance" that take your money and then pretty much just let you die:
https://pluralistic.net/junk-insurance
"Junk insurance" is a health insurance plan that is designed as a short-term plan that you might use for a couple of days or a week or two, say, if you experience a gap in coverage as you move between two jobs. These plans can exclude coverage for pre-existing conditions and typically exclude niceties like emergency room visits and hospitalization:
Crucially, these plans to not comply with the Affordable Care Act, which requires comprehensive coverage, and bans exclusions for pre-existing conditions. These plans only exist because of loopholes in the ACA, designed for very small-scale employers or temporary coverage.
The one thing junk insurance does not skimp on is sales and marketing. These plans outbid the rest of the market when it comes to buying Google search ads, meaning that anyone who uses Google to research health insurance will be inundated with ads for these shitty plans. The plans also spend a fortune on "search engine optimization" – basically, gaming the Google algorithm – so that the non-ad Google results for health insurance are also saturated with these garbage plans.
The plans also staff up boiler-rooms full of silver-tongued high-pressure sales staff who pick up on the first ring and hard-sell you on their plans, deliberately misleading you into locking into their garbage plans.
That's right, locking in. While Obamacare is nominally a "market based" healthcare system (because Medicare For All would be communism), you are only allowed to change vendors twice per year, during "open enrollment," these narrow biannual windows in which you get to "vote with your wallet" against a plan that has screwed you over and/or endangered your life.
Which means that if a fast-talking salesdroid from a junk insurance company can trick you into signing up for a garbage plan that will leave you bankrupt and/or dead if you have a major health crisis, you are stuck for at least six months in that trap, and won't escape without first handing over thousands of dollars to that scumbag's boss.
Amazingly enough, these aren't even the worst kinds of garbage health plans that you can buy in America: those would be the religious "health share" programs that sleazy evangelical "entrepreneurs" suck their co-religionists into, which cost the world and leave you high and dry when you or your kids get hurt or sick:
The fact that there are multiple kinds of scam health insurance in America, in which companies are legally permitted to take your money and then deny you care (even more than the "non-scam" insurance plans do) shows you the problem with turning health into a market. "Caveat emptor" may make sense when you're buying a used blender at a yard-sale. Apply it to the system that's supposed to take care of you if you're diagnosed with cancer, hit by a bus, or develop eclampsia, and it's a literally fatal system.
This is just one of the ways in which the uniparty is so terrible for Americans. The Republicans want to swap out shitty regulated for-profit health insurance with disastrous unregulated for-profit health insurance, and then give you a couple thousand bucks to yolo on a plan that seems OK to you:
This is like letting Fanduel run your country's health system: everyday people are expected to place fifty-way parlay bets on their health, juggling exclusions, co-pays, deductibles, and network coverage in their head. Bet wrong, and you go bankrupt (if you're lucky), or just die (if you're not).
Democrats, meanwhile, want to maintain the (garbage) status quo (because Medicare for All is communism), and they'll shut down the government to make it clear that they want this. But then they'll capitulate, because they want it, but not that badly.
But like I say, America is an Enshittification Nation, and I don't have time or interest for cataloging mere unienshittificatory aspects of life here. To preserve my sanity and discretionary time, I must limit myself to documenting the omnienshittificatory scams that threaten us for every angle at once.
Which brings me back to Google. Without Google, these junk insurance scams would be confined to the margins. They'd have to resort to pyramid selling, or hand-lettered roadside signs, or undisclosed paid plugs in religious/far-right newsletters.
But because Google has utterly succumbed to enshittification, and because Google has an illegal monopoly – a 90% market share – that it maintains by bribing competitors like Apple to stay out of the search market, junk insurance scams can make bank – and ruin Americans' lives wholesale – by either tricking or paying Google to push junk insurance on unsuspecting searchers.
This isn't merely a case of Google losing the SEO and spam wars to shady operators. As we learned in last year's antitrust case (where Google was convicted of operating an illegal search monopoly), Google deliberately worsened its search results, in order to force you search multiple times (and see multiple screens full of ads) as a way to goose search revenue:
Google didn't just lose that one antitrust case, either. It lost three cases, as three federal judges determined that Google secured and maintains an illegal monopoly that allows it to control the single most important funnel for knowledge and truth for the majority of people on Earth. The company whose mission is to "organize the world's information and make it universally accessible and useful," now serves slop, ads, spam and scams because its customers have nowhere to go, so why bother spending money making search good (especially when there's money to be made from bad search results)?
Google isn't just too big to fail, it's also too big to jail. One of the judges who found Google guilty of maintaining an illegal monopoly decided not to punish them for it, and to allow them to continue bribing Apple to stay out of the search market, because (I'm not making this up), without that $20b+ annual bribe, Apple might not be able to afford to make cool new iPhone features:
Once a company is too big to fail and too big to jail, it becomes too big to care. Google could prevent slop, spam and scams from overrunning its results (and putting its users lives and fortunes at risk), it just *chooses not to:
Google is the internet's absentee landlord. Anyone who can make a buck by scamming you can either pay Google to help, or trick Google into helping, or – as is the case with junk insurance – both:
America has the world's stupidest health care system, an industry that has grown wildly profitable by charging Americans the highest rates in the rich world, while delivering the worst health outcomes in the rich world, while slashing health workers' pay and eroding their working conditions.
It's omnienshittified, a partnership between the enshittified search giant and the shittiest parts of the totally enshittified health industry.
It's also a reminder of what we stand to gain when we finally smash Google and break it up: disciplining our search industry will make it competitive, regulatable, and force it to side with the public against all kinds of scammers. Junk insurance should be banned, but even if we just end the junk insurance industry's ability to pay the world's only major search engine to help it kill us, that would be a huge step forward.
If you'd like an essay-formatted version of this post to read or share, here's a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:
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What is Install Fraud? How to Solve Install Fraud?
Advertising platforms optimize for signals—not intent. Â
In mobile marketing, the most important signal is the install. More installs usually mean a campaign is working. Platforms see this, assume success, and push more budget in the same direction. Â
This is where install fraud begins. Â
Fake installs are easier and cheaper to generate than real users. Fraudsters use bots, device farms, or incentivized tactics to create large volumes of installs that look genuine on the surface. Since the numbers look good, platforms assume the campaign is performing well. Budgets increase. The same sources get more spend. Â
But the users aren’t real. Â
At first, nothing feels wrong. Cost per install may even go down. Install numbers keep growing. The problem only becomes visible later, when users don’t open the app, don’t register, and don’treturn. What looked like growth turns into wasted spend. Â
That’s why fake app installs are so hard to catch early. It doesn’t break campaigns overnight. It quietly trains platforms to invest in fake activity while genuine users get pushed out. Â
In this blog, we’ll explain what install fraud is, the common ways it happens, and how marketers can spot and prevent it—before it starts impacting real growth.Â
What is Install Fraud in Mobile Advertising?Â
Install fraud occurs when fake app installs are generated or manipulated to claim attribution and payouts, without real user intent.Â
In simple terms, a fake install appears as a genuine app download on your dashboard but doesn’t come from a genuine user who intends to engage with your app. These installs may be created by bots, emulators, manipulated devices, or deceptive techniques designed to game attribution systems.Â
Install fraud falls under the broader category of mobile ad fraud, and it primarily targets CPI-driven campaigns. Since advertisers pay for installs, fraudsters focus on triggering that one event, regardless of what happens afterwards.Â
What makes this problem more complex is that modern mobile ad fraud techniques don’t just stop at installs. When install traffic isn’t verified, the same fraudulent activity extends to post-install events as well, such as sign-ups, in-app actions, or other action-driven KPIs. These events may look legitimate in reports, but they’re often designed to reinforce false performance signals.Â
The result? You end up paying for volume, but you don’t get real value in return, leading to weaker optimization signals and campaign inefficiency.Â
Common Types of Install Fraud Techniques You Need to Know AboutÂ
Fraudsters use various techniques to generate fake installs and manipulate last-click attribution. These techniques closely mimic real user activity, making it impossible for basic tools to identifymobile ad fraud. Here are the most common install fraud techniques performance marketers should be familiar with:Â
Click Injection
Click injection happens when a fraudulent source identifies that an install is about to take place. A click is fired right at that moment (by exploiting the narrow attribution window) to steal the last click attribution from the channel that actually drove the install. This is also known as organic poaching or install hijacking.Â
Click Spamming
Click spamming is when a large volume of fake ad clicks are sent and injected into devices in advance. This increases the chance that one of those clicks gets credited whenever an organic install eventually takes place, stealing the attribution as a result.Â
SDK Spoofing
SDK spoofing fakes app installs by imitating devices and app signals through emulators or scripts, making it appear as a real user installed on the app, without any actual download taking place.Fraudsters generate installs only to exhaust advertising budgets and spoof installs.Â
Fake App Versions
Fraudsters use altered or cloned versions of the app that appear legitimate but generate fake installs and in-app events. These versions mimic normal activity and deceive attribution systems into counting non-genuine traffic.Â
What makes all these techniques dangerous is not just how they work but also how normal they appear to human eyes in standard reports.Â
How Does Install Fraud Impact Mobile Advertising Performance?
Install fraud operates silently. It passes basic attribution checks, mimics normal install behaviour, and avoids sudden spikes that might raise alarms. This happens because installs are counted before user quality is proven. Â
The moment an install is attributed, it’s treated as success, long before anyone knows whether that user will engage, return, or convert. Therefore, the business impact begins to fall. It doesn’tjust affect one metric or one campaign. It spreads across attribution, the entire funnel, optimization, teams, and long-term strategy.
Ad Fraud in Programmatic Ads: Why Impression-Level Protection Matters
Performance Programmatic Platforms follow the same rules as traditional programmatic platforms, but the focus on performance campaigns is to optimize ad placements through real-time bidding and enable data-driven decision-making.
These platforms buy and place ads for advertisers with targeting functionalities, dynamic creative optimization, and performance analysis. As they market themselves, the entire process is ML and algorithm-driven. However, there is a prevailing myth that these platforms are fraud-free. Even MMPs are failing to do anything to curb these frauds because they have no protection at the impression level and minimum protection at clicks.
How mFilterIt’s Full Funnel & Omnichannel Approach Helps Detect Advanced Ad Fraud?
Many marketers still view ad fraud from a linear lens. They think bots are easy to spot, and platforms flag it. However, this assumption is no longer true. Â
Over the years, advertising has transformed into a deeply interconnected, automated, and omnichannel ecosystem. Brands no longer run isolated campaigns. They operate across open web, apps, platforms, affiliates, influencers, CTV, and ecommerce media simultaneously. Â
With this scale comes complexity, and with complexity comes a new class of ad fraud. One that hides deep inside the user journey, behaviour, blends into engagement, and surfaces only after real business impact has already been compromised.Â
How mFilterIt’s Full Funnel & Omnichannel Approach Helps Detect Advanced Ad Fraud?
Many marketers still view ad fraud from a linear lens. They think bots are easy to spot, and platforms flag it. However, this assumption is no longer true. Â
Over the years, advertising has transformed into a deeply interconnected, automated, and omnichannel ecosystem. Brands no longer run isolated campaigns. They operate across open web, apps, platforms, affiliates, influencers, CTV, and ecommerce media simultaneously. Â
With this scale comes complexity, and with complexity comes a new class of ad fraud. One that hides deep inside the user journey, behaviour, blends into engagement, and surfaces only after real business impact has already been compromised.Â
This means ad fraud is no longer a traffic problem. It does not operate in straight line. It moves across channels, adapts to campaign objectives, and embeds itself deeper into the funnel—quietly influencing optimization, attribution, and budget decisions. Therefore, to protect campaigns, brands need ad fraud solutions that must follow the full campaign journey, across environments and down the entire funnel to detect ad fraud. This is precisely where mFilterIt’s advanced ad fraud solution is designed to operate.Â
How Ad Fraud Has Evolved and Why Omnichannel Protection Is the Foundation of Modern Fraud PreventionÂ
Sophisticated invalid traffic is engineered to resemble genuine user behaviour. It mimics human interaction patterns, rotates devices, locations, and stays just below platform thresholds long enough to be considered legitimate. The goal is no longer just to generate fake clicks or installs; it is to influence how marketers optimize campaigns across multiple channels and platforms based on false data.Â
As ad fraud evolved from a visible threat to a systemic risk, protection had to evolve as well, beyond basic checkpoints – invalid ad traffic validation, click fraud prevention, into continuous fullfunnel protection.Â
At the same time, brands now run branding and performance campaigns simultaneously across web, app, programmatic, search, social, OTT/CTV, and affiliate ecosystems. In such a fragmented environment, fraud naturally migrates to the least protected channel. This makes omnichannel protection not a feature, but the foundation of effective, modern ad fraud prevention.Â
mFilterIt’s Omnichannel Coverage: How Protection Works Across Campaigns and Channels
mFilterIt uses an advanced approach for detection. Instead of treating channels in isolation, the ad fraud solution aligns the detection process with campaign intent, environment-specific risks, and user journey stages, powered by a unified intelligence layer across the ecosystem. Here’s how it works:Â
Web Traffic Validation: Branding Campaigns – Protecting reach, visibility, and brand exposure
Branding campaigns are often assumed to be low risk, as they are optimized based on CPM (impression) models and not for conversions. But in reality, they are highly vulnerable to fraud that drains budgets without triggering immediate alarms. Â
Viewability, while widely used as a quality metric, is not a measure of authenticity. Bots and spoofed environments can easily generate viewable impressions that technically meet industry thresholds but are never seen by real users. At the same time, ads are frequently served on low-quality or made-for-ad environments where content exists solely to host ads, offering no real audience value.Â
Moreover, when impressions are repeatedly served to the same users due to frequency cap violations, reach appears inflated while true exposure shrinks. In such scenarios, simply validatingimpression counts is not enough. Without deeper validation of where ads appear, how often they are served, and whether exposure is genuine, branding budgets risk optimizing for visibility metrics that look healthy but deliver minimal brand impact.Â
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Building Trust in Affiliate Marketing: Emerging Fraud Challenges & Solutions for 2025
Affiliate marketing, as a concept, is revolutionary. It enables businesses to make money by using the influence of popular online publishers. When the right affiliates are involved, affiliate marketing not only drives more sales, but also boosts long-term brand performance metrics like brand recall value and trustworthiness of the brand. Â
At the same time, by design, affiliate marketing ensures the publishers bring their A-game in getting brands maximum visibility and ensuring their audiences view them in a positive light. After all, more sales also translate to better affiliate payouts for the publishers. Â
Thanks to this symbiotic nature of affiliate marketing, it is nearly the perfect marketing activity. Nearly. Â
How mFilterIt’s Attention Metrics Tools Differs from Competitors?
For years, impressions and viewability have been the go-to metrics for evaluating campaign success. They help understand whether the ad was delivered and seen. But was it actually paid attention to? Â
That is the real question. And that’s where the conversation is shifting.Â
As brands expose themselves to more open forums like websites, apps, OTT, CTV, etc., they begin to look beyond visibility and focus on something far more valuable, i.e., attention measurement, meaningful human attention your ad received. Â
Most Click Fraud Protection Softwares Stop at Detection. Here’s What Marketers Need in 2026
You know you need an answer when your campaigns don’t perform as you expect them to. Or maybe they do perform, but just on dashboards?Â
Click fraud is no longer limited to just basic bot traffic. In 2026, it has evolved into more sophisticated threats that many traditional detection tools are not equipped to identify.Â
Fraudsters now deploy AI-powered bots that simulate real user behaviour to evade behavioural detection. They operate across performance marketing ecosystems, including Google Search, display, GDN, Pmax, Meta, affiliate networks, app install campaigns, lead generation, and re-engagement campaigns.Â
According to mFilterIt, 18% of global digital ad traffic was invalid in 2025. Moreover, with global digital ad spend projected to reach $866.2 billion in 2026 and $916 billion by 2027, the scale of fraud opportunity is growing at exactly the same rate as advertiser investment.Â
Therefore, the traditional method of identifying fraudulent clicks is not enough. Marketers need a tool that has advanced specifications that can help them stay ahead of such evolving threats.Â
But the question remains, “What exactly should marketers look for in a click fraud prevention tool in 2026?”Â
We have simplified this search for you in this blog.Â
It breaks down:
What features should an advertiser prioritize in a click fraud protection tool?Â
How is mFilterIt different from standard ad fraud detection solutions?Â
Why isn’t click-level protection enough for web and app campaigns?Â
So, if you’re comparing solutions or preparing to invest, this is the clarity you need to make the right decision.Â
Key Features to Look for in a Click Fraud Protection Software
The right click fraud protection tool is supposed to give you actionable insights, measurable improvements, and cross-channel protection. Here’s what to expect from a tool that actually solves your business problems:Â
Proactive Click Validation
Click fraud operates in milliseconds. Your click fraud protection tool should have the capability to detect fraud proactively before it reaches your deep funnel or MMPs. Click validation ensures invalid traffic is flagged and filtered before it drains your ad budget. Here are some checks that a robust solution must perform: Â
Click Repetition Behavior: Spamming on the same Device ID, click and impression injections, IP address repetitions, clusters, and spikes Â
Malicious IPs / VPNs: VPNs, proxies, and data center traffic should be identified in real time Â
Invalid Device Make-Model: Invalid devices detected via User Agent analysis Â
Invalid Geo:Â Non-applicable geographies flagged via IP address checksÂ
Multi-Channel Compatibility Across Performance Campaigns
Fraud is not confined to one platform.It spreads across Google Ads, affiliate programs, Meta, DV360, mobile app networks, and even OEM and influencer traffic. Your protection tool should have omnichannel compatibility to work seamlessly across all environments to give you consolidated protection.Â
Integrated platform coverage must include Google Search, Google Search Partners, GDN, DV360, Facebook Audience Network, FB.com, YouTube, Bing, affiliate and direct publisher networks. Â
Full-Funnel Traffic Scoring from Click to Conversion
Since ad fraud doesn’t stop at click, the right click fraud solution doesn’t just analyze a single click. It evaluates the entire customer journey from impression to post-click behaviour, and scores each interaction based on engagement, path anomalies, and conversion likelihood. This helps identify suspicious traffic that may initially look normal.
Here’s what full-funnel validation covers:
Impressions:Â Ad visibility and post-bid checks for invalid inventory.Â
Clicks:Â Real customer clicks vs. bot-generated traffic.Â
Visits:Â Actual customer visits vs. bot-simulated sessions, scored by intent.Â
Leads/Events: Genuine leads vs. malicious leads; form submissions validated against bot detection and geo-IP matching.Â
Purchase/Sale:Â Organic sales vs. falsely attributed conversions.
Behavioural & Session-Based Analysis for GIVT & SIVT Detection
Basic filters cannot catch sophisticated click fraud. It needs a deeper context, including behavioural and session-level analysis. The industry-standard classification splits invalid traffic into two categories: Â
General Invalid Traffic (GIVT): Traffic from known crawlers and bots behaving in obviously non-human ways, easier to detect. Â
Therefore, the advanced ad fraud prevention solution must analyze session depth, scroll behaviour, dwell time, bounce rate, and other engagement signals to understand true user intent. This helps distinguish a curious customer from a bot.Â