Insurance in itself is a scheme, period. No matter what.  You pay in and then when you need it you get covered for less then you paid in in the first place then have to usually cover the rest.  Not to mention when you do file a claim, you're treated like a criminal until you can proved to them it's dire.  That's usually by the time when you're half dead or dead and if that happened, well, the insurance company don't have to pay do they? Bastards.

But yeh, sounds like simply Canadian Post just wants to keep everything for themselves up there. That was the USPS years ago.  But I think if they continue (I dunno how Canadian law and how much Canadian Citizens have an effect on commerce through the law) I'm sure the people would start looking for solutions other than Canadian Post and push the use private companies.

USPS buried itself.  People just got tired of their slow unreliable service and start using FedEx and UPS for packages (USPS has a law that only they can deliver letters) that they started losing out.  Then USPS kinda reorganized a bit and started to do way batter in the past years until lately where they keep raising the prices on rates and cutting out Saturday delivery and people are starting to get pissed off again.