Dude! KCM is to airport security; what USAA is to insurance.
When I first joined USAA many moons ago, it was for commissioned officers only. Had great rates on a variety of things, over and above all other insurance companies out there.
But then, USAA decided to bring in all enlisted, in order to boost membership. What happened? Well, now you started having Lance Corporal / Petty Officer 3rd Class / Private First Class / Airman 1st Class Schmuckatelli taking out loans they would default on, miss 4 months of credit card payments or payments on that CBR1000 crotch rocket that they thought was a great buy when it was totally overpriced, and they’ve managed to keep it hidden from the repossessors. So, those losses get passed to the masses and prices go up.
Then, USAA decides to double down by incising not only relatives of anyone who served in the military, but open to anyone whose third cousin’s half brother knew someone who once served in the military.
And all that happened was that USAA became just another insurance company, no different than any of the others. Non-competitive prices, average service, etc. Even with Rob Gronkowski advertising for them.