Takaful Operator ABC adopts wakalah model for its takaful business. In addition to wakalah fee imposed on the participants contributions, Takaful Operator ABC also pays indirect expenses such as premise rental, staff salary and utilities out of the takaful funds. The amount of direct expenses paid from the takaful funds is also factored into the wakalah fee charged upfront. Evaluate the above case by highlighting pertinent Shariah issues and suggesting a remedy for it.