Part of the blame goes to a slow, consumer-unfriendly system, but a big part of the blame lies with the Indian consumer, who is just too lazy. From a good article by Subra:

1. The customer is so damn indifferent that he does not even know he has been sold a lemon

2. The courts take forever to award penalties for such ‘minor’ offenses

3. The regulator has made the process of getting justice difficult

4. ...most customers crib, then when they get a pat on the back from a high ranking official, they withdraw their complaint. I am yet to see a court order a full repayment for mis-sold policy and heavy damages suits.