> And why aren't there startups out there coming to compete for this gigantic money pool by offering a mere 400% markup? You are thinking like someone from an i

> And why aren't there startups out there coming to compete for this gigantic money pool by offering a mere 400% markup? You are thinking like someone from an industry that went from a $5,543 (2020 dollars) Apple ][ in 1977 to a $999 MacBook Air in 2021. That's all thanks to solid engineering, innovation and a competitive landscape. Now, for anything touching healthcare, you'll have to deal with The Cartel. You are going to get every legal challenge thrown at you by every instance of government (and The Cartel itself) before you can even think of helping your first patient. You'll basically need a member of The Cartel to vouch for you, or train as one. To even get a chance of getting in, you need to accumulate at least 6 figures of debts and try to squeeze in one of the limited spots The Cartel opens up for new recruits. Then, after about a decade of classes (4 of them completely useless to you) and a few years of pointless hazing, you'll be given the privilege to price gouge yourself. By then, I'm not so sure you'll want to democratize access, sadly.