2019 : 0
2020 : 361,236
2021 : 461,460 ( 1.28x 2020 )
2022 : 191,352 ( 1.06x* 2020 )
But payouts look like this: 2020 : 1.09x 2019
2021 : 2.86x 2019, 2.64x 2020
If there were under-reporting in 2021 similar to 2020 then we should see about a 1.06x payout difference in 2021, not 2.64x. Not recording deaths as covid wouldn't affect life insurance payouts. So there would need to be ~2.64x more covid deaths in 2021 (after most folks got the vaccine in March-May) than in 2020 with no vaccines. This doesn't seem right to me. What would explain this is if while covid didn't get much worse in 2021 people are dying more anyway, or the covid deaths are more concentrated in insured people.
That isn't reasonable in the sense of "this is what the filesystem should do in this situation" but if the log and user data are allocated from the same pool it is quite possible to exhaust both.