"Do you pay your grocery store a commission? Your barber? Your auto mechanic? Your waiter? Your doctor?"

Yes in all cases, with exception of doctor. It's called markup or something else. Last time I checked my mechanic did not brea'tk out his markup on parts or the profit portion of his labour for me. 

I don't know anyone personally and am not related to anyone who is in the property casualty business. That's not anything to do with arguing the point anyway, is it. It's the type of thing a person says that doesn't really want to argue the point, but rather is often the type of person that thinks all business and profit is evil and should be controlled by big brother. I think there is a name for that.