It is indeed possible to disrupt the insurance system. It is indeed possible to disrupt any and all computerbased system. It is indeed possible to defeat any and all locks, doors, alarms, you name it. Everything man-made can be man-unmade.
The requirement are time and patience.
You are correct, neither OT nor OT-RK are known for randomly destroying their own ressources for no purpose. Neither are clammers or neuts, to give a local touch.
However, as I said cetain systems need to be tested against the real thing. After all, you'd not like to go into combat with some equipmennt which just might decide to blow up in your face rather than kill your opponent, now would you? Or have your Yalm decide to quit working while at max altitude? Or have your various nanoprograms decide to do the opposite of what you expect them to do?
That's why us enginneers (try to) test our products thoroughly. (RUR has recently proven why that's a necessity.. )
Anything in the line of either some hugely powerful ray cannon or a teleportation device will require at least one fullscale test.
Most testing is done in simulators and on scale models. This covers most of the variables that need testing. However, weather and other environmental influences cannot be accurately modeled, even on Rubi-Ka.
So you see, there can be very good reasons to use a ressource to assure the correct functionality of some other ressource. Most particularly when it is as powerful as something that'll remove a ship completely.
No, I'm not 100% certain that it was OT(-RK) doing a test run. I just don't discount it out of hand, particularly given the wording in that article..
Your mileage may vary, of course.