(Throughout the current economy, everyone is used to getting what seems like something-for-nothing that actually isn’t, because the webs of compensation are opaque. This radically distorts incentives. Broader theme re rent-seeking, probably obvious, let’s set aside for now)
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I'm with you! I think the magnitude of this ubiquitous inefficiency is tremendous, and I think you're really right that it is also a fertile terrain for fraud and exploitation. Years ago, my young family was nearly destroyed by a suspicious "error" at a health insurance company.
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And I think there could maybe be a breakthrough solution leveraging modern information technology tools and correct incentive alignment.
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I'd pay >1k/mo and I bet there's enough of us to make this work. Hell, I'd work on it given a good angle of attack. It extends to "kill Moloch" if you can cut this tentacle, hence why it would be incredibly meaningful to solve. Also why I expect it to be counterintuitively Hard.
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God, I think about this all the time. I’d settle for a checklist as an mvp
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