no coder would ever do anything of the sort with game insurance, because it is not they're fault a person decided to go ham in a game and snap onto everybody's head and got banned for it.
100gbp is not the final price as well
imo, 40$ for apex is a good price, it's not just anticheat and what the game is, you don't see many cheats that go against popular games, and to note apex is made by ea, so they got money.