Well, it could be argued that selling 75% of such a business to a major financial firm, is better than running it yourself, if you don't have the financial and IT staff to do so in a risk-mitigating way. It's easy to get into a ton of trouble quickly in finance and insurance. VW might or might not have done this for the right reasons, but perhaps handing this over to a financial firm is, in fact, the right decision (for them).