I may need to make some edits to change the tone. I am not against regulation per se, though I am against particular regulations which have perverse negative un

I may need to make some edits to change the tone. I am not against regulation per se, though I am against particular regulations which have perverse negative unintended consequences, as I describe. There are advantages to being in a regulatory climate, and certainly I prefer a business world ruled by law over anarchy. I think that medical insurance here in the USA is particularly bad. Nationalization is also bad, but relatively superior, I think, lowering costs for everyone and improving care in the final analysis. Medical care, and insurance in particular, could be orders of magnitude better, but only if customers actually care about medical insurance. It's not exactly a treasured consumer choice. If health insurance and medical care were rolled in together, and marketed as being about healthy lifestyle choice, then you could get people to take notice. Kaiser Permanente accomplishes some of these goals, but is rather monolithic, and doesn't go far enough. I've thought about trying to fix health insurance too. Another dramatically huge problem with huge barriers to entry. But maybe there could be a Yelp of health insurance that I could get people to care about. It was one of the 'alternative ideas' I had for that particular YC interview. Telling the partners raised the predictable eyebrows!