"Maybe it's to deal with 'conflict of interests' issues"
I realize that was the likely (or plausible) motive, but that could have easily been addressed by asking the right questions. Amateurs...
Not only that, but the coverage of #3 id so broad that they're be doing themselves a disfavour by neglecting everyone.
Sounds like a bunch of fucking hammer chewers. If it were me, I'd cancel my membership and use the money more fruitfully.