>The problem is desire. We need to want these things. Good luck generating the want. You don't have insurance nerds like computer nerds. You can't open your in

>The problem is desire. We need to want these things. Good luck generating the want. You don't have insurance nerds like computer nerds. You can't open your insurance plan, hack it to bits, and then put it back together in an interesting fashion and start your own business with it. You can't iterate and break stuff in insurance like you can with software. Even if you removed all of the regulatory capture, companies in those kinds of industries only come down to profit. Insurance is boring. What are you going to do, make a $10/month health insurance plan that covers everything? You'll be popular, then broke. But that's what America really deserves: essentially free healthcare. The problem beyond regulatory capture is capitalism at its core because capitalism doesn't like anything given away for free.