Are you serious?? Some might say that the bigger USAA got--the less satisfactory services/support they received. Lets not talk about the banking side of the organization. My dad was in that same boat (Italy) back in the 70s--living by the paycheck as a Navy Petty Officer with two kids. He had to go with a local insurance company before Geico was even available--much later. He lost two nice vehicles to theft and it took some time for him to get back on track. I've seen some healthy increases on my homeowners/auto policies since the mid-late 90s. Yes--USAA isn't as good/competitive as they were back in the 80s-90s--and it might be time to move on. You seem to just have a gripe about what happened over 40+yrs ago. I hope you can find the peace to put it behind you and move on. A lot of long term members are also moving on because USAA isn't what it used to be. Good luck.