Yes this can happen, though it should be noted that a nonprofit health insurer would be regulated differently than a nonprofit research institute that isn’t responsible for providing or reimbursing care.
There can be corruption in governments and government programs too — but still the data says they do a better job at optimizing public health than for profit environments. Not letting perfect be the enemy of good, or better, it’s pretty clear from what I can gather that non profit is better than for profit, and optimized single payer is better than both of those.
Probably nothing (because your gpu has some power spikes, just not hitting max power), but I’d make sure the integrated gpu in the bios is turned off; it’s possible something happened when playing, and the bios reverted to selecting the igpu on your 7900x3d. When I first booted my 7800x3d this was occurring, and I fixed it by turning it off in the bios.