Ten years ago the big trend on Dribbble was unsolicited redesigns.
You would take a well-known company's app, redo the screens on your own and post it proudly as a case study. It ended up being widely criticized, and rightly so: designing on a napkin without knowing the real product constraints is too easy.
I have been insured with Luko for several years. It was pretty good, then it became Luko by Allianz Direct.
The "My Account" space: impossible to download a certificate, a stone-age chat that opens on the wrong page, a claims declaration flow buried deep, entire screens that serve no purpose, ads everywhere with no conversion funnel.
I briefly discussed it with a designer at Allianz earlier today. As we listed the problems together, the solutions came by themselves.
So I gave in.