Medicare For The Whole Planet

SPEAKER_04 0:00

Hey everybody, this is Adam Browse.

SPEAKER_01 0:01

And Scott Moppin.

SPEAKER_04 0:03

We are Solutions from the Multiverse. Welcome coming to you again with an unheard of solution to the world's problems. And that solution is? Oh my god, are we gonna go straight into it? Oh my god, boom, we're gonna do it. Okay, it's Medicare for all. Oh, but that's not a new idea. It's gonna be a new idea. Okay. This is Medicare for all. Okay. For the whole planet. No, it's for the whole planet.

SPEAKER_01 0:32

Okay, so Medicare for the whole everybody.

SPEAKER_04 0:35

This is not Medicare for America, you know, whatever, Californian Americans, whatever, Medicare for all. This is Medicare for the whole world. Lock in here. Human Medicare for the Foods. Yeah, because I mean if you think about it, at some point in history, all humans need to be assured medical care. Yeah. Right? Okay, let's just we're all gonna need something of some degree. Yeah, so let's just start that now. Let's start that.

SPEAKER_01 1:01

Except Brian Johnson. I think he's figured it out, right?

SPEAKER_04 1:04

Okay. We're cutting him out. Did Brian Johnson somehow not need

Longevity, Friends, And Brian Johnson

SPEAKER_04 1:10

to be able to do that? Isn't he the guy?

SPEAKER_01 1:11

He's like the millionaire that he like spends all of his time and money trying to not age, but it you know he just looks sad and lonely. I think it's not, yeah.

SPEAKER_04 1:20

That's one thing, actually. I have a thing with Brian Johnson, which is that he looks really lonely and he seems lonely. He doesn't seem to have like he talks about all these stuff, but actually, there's really, really good research. I'm into longevity. I think I've read a lot of research and science about longevity. There's really good science to show that if you have six good friends, strong, you know, really good friends, you will live like almost a decade longer, like five to seven.

SPEAKER_01 1:45

You get them to stand around you and beat up anyone who gets near you and threaten you. Yeah, six bouncers. I think that's how that works.

SPEAKER_04 1:51

That's right. Six bodyguards. No, it's true, but he it's funny, he always does all this. Oh, it's this, you know, this thing and this chemical and this exercise thing. And he leaves out this research that is bulletproof research. That if you have a better social, also just being married, like he's divorced, and it's like not being married, like not having a significant other in your life for men, significantly lowers your longevity, it lowers it by like three or four years. Wow.

SPEAKER_01 2:23

So it's like, you know, I feel like but then if you're married to the wrong person, you're gonna lower it even more. Am I right? No, yeah, danger feel.

SPEAKER_04 2:31

There's nothing wrong. It's just it's just what they say. And it might not be because they love you, it might be because they just say, You got a thing on your neck, you gotta go to the doctor.

SPEAKER_01 2:41

Oh, that's where the that's where the years of extra That's right.

SPEAKER_04 2:44

It's just because the woman and the partner says, like, you know, like, I don't want to go to the doctor.

SPEAKER_02 2:49

Like, you gotta go to the doctor. I don't want to go.

SPEAKER_01 2:51

You need a partner to see the parts of yourself that the the sides of your body you can't examine right with your own eyes. The weird lesions that's why we are made for companionship.

SPEAKER_04 3:01

Yeah, and Brian, and Brian's, he has people or robots or something that can do that. So maybe he's fine, but there is something about French French the friendship thing is seems seems to be spot on. And he doesn't ever talk about that. I wonder why. Maybe because he's very lonely and has no friends or wife.

SPEAKER_01 3:16

Okay, so back to Medicare for All. What do what are you talking about?

SPEAKER_04 3:18

Okay, Medicare for all. Okay, so this is a really good idea. Like, I'm not always convinced of these solutions. Like, I just you know, I just more just to stir the pot. But this one I'm like, I'm going ho. Like I think it should be done. And if anybody wants to work on it who's listening,

The Pope Sparks A Practical Plan

SPEAKER_04 3:33

just contact me. We'll we'll build it. It's cool.

SPEAKER_01 3:35

How how do we implement anything that's a planet-wide planet-wide?

SPEAKER_04 3:39

Just this is gonna be great. Okay, so I got this idea because I was listening to the Pope, American Pope from Chicago, Chicago Pope, which I'm from Madison, so I feel like it's like an excerb of Chicago, two uh two and a half hours away, but it still feels like we're like the hinterland of Chicago, basically.

SPEAKER_01 3:56

Your Pope radius is pretty low. Oh, yeah.

SPEAKER_04 3:58

I'm like within the Pope radius, you can feel the vibes just from Madison. So the Pope was saying, you know, he just, you know, the Pope Pope say like things, you know, that are inspiring. And he said pontificate. That's like one of their jobs. He literally that's their job. That's so perfect. He was pontificating the jerk. Such a he was patronizing. The patria, the patriote patronizing us, yeah. So he said, I'm not Catholic. I mean, I guess his my family is sort of Catholic in the background, whatever, long generations ago, but I'm not Catholic, you know, culturally Catholic. Anyways, I was listening to him because I like him. I think he's a good Pope. And um, he said, everyone, everyone in the whole world should have access to medical care, which is like a nice Catholic sort of Christian thing to say, right?

SPEAKER_00 4:47

Right.

SPEAKER_04 4:47

And you know, everyone's listening to him and they're like, Oh, come on, come on, Pope, like how you do that. And I was thinking, I think we could do it. I think, I think I figured it out. Here's what we do. So you make a a website. Did wait, did the Pope.

SPEAKER_01 5:03

No, no, no. He just said this should be a good thing. Moving on, moving on.

SPEAKER_04 5:06

He was just saying this should happen, you know, and then you know, he just hopes that you know, world leaders, yeah, peace on earth, you know, one of those things. Okay, you know, for all. But there was the way he said it was a little bit like United States should have Medicare for all. Like he was, you know, because he's a bit of he's sort of pushing. Have you noticed that he's sort of fighting for the environment?

SPEAKER_01 5:25

The only major nation that doesn't have it for their citizens. Right. It's crazy. Right. I don't know.

SPEAKER_04 5:31

So but here, but here's how I thought about doing it. So we could live up to the Pope's goals here, or we we could at least contribute to the to the right side of history here. So you make a website, all good things start with a website. You make a website, and in that website you make a form. And the form is fill out all this information, send pictures, videos, audio, description, medical note, submit it, it's an insurance claim. If we think that insurance claim is legit and not fraudulent, we will send you money for

A Website That Pays Claims Globally

SPEAKER_04 6:05

doing that medical care.

SPEAKER_01 6:08

Like anywhere in the country, or anywhere in the world. Okay.

SPEAKER_04 6:13

So say you're like a doctor in Namibia or something. I'm just making up some place that I think or rural Russia or something, somewhere poor, somewhere that they have shitty health care because they they're poor. But you're a doctor there or some kind of caregiver, right? You can go on this site, make an account, we validate that you're real, you send your you know, license, your doctor's license, you know, and your picture of your clinic, and you know, because we have internet now. So I mean, this kind of stuff is doable, right? And then once we certify, yeah, you're a real doctor and you're in this area, then you can start submitting bills to us, claims, and we will award you a small amount of money. It might not be enough, or it might not be some huge amount of money, and I could become like a rich doctor, rich hospital on this. But if you have like a bunch of people that you take care of that are well enough to pay you, or that they have enough money to pay you, and then you have these poor people who you're like, I can't really treat them because they don't have any money.

SPEAKER_01 7:12

You can now start treating them and you can send the bills to our organization to this and it's essentially an insurance and then we sort of pick up the tab for someone's tapeworm treatment in a yeah, or T or Yeah, wherever it is that they don't have the means for it, but they do have a need for it.

SPEAKER_04 7:32

Right. And we pay them the exact right amount of money, like for where they are and for what level of care they got. And and maybe it's not even a hundred percent, like maybe it's like, oh, we can really only give you like 60%, we can only give you 30 bucks. But it's like that's 30. They maybe they won't we're gonna treat that poor person anyways, and they're gonna just lose it all. Now they can get 30 bucks and they can say, hey, let's expand this, right? And if this organization had a lot of donors, because it's a charitable organization, we get money from the money. If we raise a bunch of money, if it if it's effective, if we can prove that's effective, we can go to big money bags people and say, give us money and we'll give more of this health care out, you know, to people. This does not exist. This does not exist, but other things exist. Like, for example, doctors without borders. Doctors without borders, very cool. You know, doctors travel to places and they do healthcare charitably for you know poor people, it's great. But guess what? You gotta train a doctor in the first world, send them, fly them somewhere else, have them do their thing all there. You know, if the doctor just worked in the first world, made half a million dollars a year, donated two-thirds of it to our organization, we could probably do more health care than they could do by traveling to theirs. Because the doctors there, you pay way less because they're like a local doctor. And maybe don't even a doctor, you might just be okay with like a midwives, nurses. You know, there might be like levels of care. I mean, you want a doctor for obviously important things, but you know, for different things, you can have different levels of care, and those can get paid out less, and there's less training, so you can get more efficiencies with still great healthcare.

SPEAKER_01 9:20

So I see the argument for doctors to get them to contribute, but like how do we get the ultra-rich, like Jeff Bezos, Elon Musk? How do we get like the super rich? Those are ass, those guys are jerks. But there are shut down an organization that was helping people. Right. He's not, you're not gonna knock on his door and get a good response. But I mean the the people above, you know, the super ultra, the people whose donation could really impact this. How do we get into it?

SPEAKER_04 9:47

There's a lot of money out there for something like this. If you can prove that it's effective, that's what people want. People want impact. They don't want to waste it. If you can say, hey, if you give money to doctors without borders, that's great, but the it's a more it's a less impact. We can show by the numbers it's less impactful. It'd be better for those doctors to just work in America as private practice physicians and donate half their salary to us than for them to go and do doctors without borders. Right. Yeah, that's the idea.

SPEAKER_01 10:16

Well, I mean, doctors without borders to places that don't have doctors, but places that do have doctors and just don't have the means for it, right?

SPEAKER_04 10:23

We can send instead of sending a whole person on a plane, we can send funds through the Also places that don't have doctors usually just means there isn't any money there, and so no local doctor can even survive by selling health care to them. So if you so there might be a doctor like in a 50 miles away who would happily move to the poorer village to or whatever to help if they knew they could be billing and make money. So Doctors Without Borders is a bit like Teacher America, where you like are haloing in Doctors Without Borders is great. I'm not like knocking Doctors Without Borders, and you'd have to really run the numbers to see like what the really you know the comparison is. But I'm pretty sure that this would

Donors, Impact, And Better Incentives

SPEAKER_04 11:05

I feel like it should exist. It should exist. This should be an option, but it doesn't exist, but it could be done. And one of the reasons it can be done now, and it couldn't be done maybe even 10 years ago, is because you can use AI to de-bias and like defraud, like if people are trying to fra fraudulently submit claims, you need a person to sit there and like check if a claim is fraudulent or not. That takes effort, but with an AI, it takes no effort. The AI can just detect fraudulent claims and shut it off, you know, and so that is like a huge opportunity that could be put in place.

SPEAKER_01 11:40

Yeah, and I'm thinking also if it's a global organization, you're not just trying to get rich US donors because you're like, if you show that you are a great healthcare organization in whatever country, then the people of that country are like, then I can get funds to my people through this intermediary. That's crazy. I hadn't even thought of that.

SPEAKER_04 12:03

Like if you establish credibility. If you are running a universal healthcare system cheaper than the government could run it for themselves, they could just say, we're just gonna put the money into you to run Gambia's universal healthcare system or something.

SPEAKER_01 12:20

Some smaller places or like uh or lesser developed or stuff, then they'll be like all right, we'll use your infrastructure for the pay for the all the the financial aspect of this whole thing. And prevent fraud, which fraud is a problem, especially in countries where there's corruption and fraud and doctors don't you know they they don't want to spend their I'm sure they want to spend they get into medicine because they want to help and heal people, they don't want to also spend a lot of time doing paperwork and chasing fraud and figuring out invoices, like if you can it adds a huge expense if you have to pay a whole army of people to like do all that bookwork.

SPEAKER_04 12:56

Whereas maybe this organization, if it's very technical and it's you know has people in San Francisco engineers building it all AI automated, it might run just without very little staff at all and be quite effective.

SPEAKER_01 13:10

All right. Medicare for well, so then we need a we need a better name.

SPEAKER_04 13:14

Medicare for literally all. How about that? Medicare for literally all.

SPEAKER_01 13:23

But you have to say it that way, or you're not gonna do it.

SPEAKER_04 13:27

We could call it Catholic healthcare. That's not good.

SPEAKER_01 13:30

Catholic with a lowercase C means that will test very positively with one demographic and a lot lower with every other demographic.

SPEAKER_04 13:38

It's technically correct. Catholic with a lowercase C means universal, it means everywhere, everything. Everywhere. So that's a uppercase C is a religion that only, you know, 800 million people believe in. But the lowercase C, Catholic healthcare. And because the Pope said it, that'd be a good fundraising technique. You could literally do clips of the Pope, like give everyone healthcare, and we'd be like, we're doing it. Give us money.

SPEAKER_01 14:03

You have to get it for all the commercials, all the time. Roping in the Pope.

SPEAKER_04 14:06

That's what I'm doing. Rope in the pope, yeah. Roping in the Pope. Come on.

SPEAKER_01 14:11

He's from Madison, it's in the Pope Rate.

SPEAKER_03 14:13

He's from Chicago. He's from Madison. Disinformation.

SPEAKER_01 14:17

No, I'm saying you're from Madison. I'm saying we had to do it for you because you're within the Pope race.

SPEAKER_04 14:21

My mom was my mom was in the convent in high school, and my dad was in the seminary for high school and college. So my dad was like heading towards being a priest. And my mom was heading towards being a nun for a little while.

SPEAKER_01 14:36

Did that make you feel any existential, like I was almost not a I was all because that's those are life choices that resulted not a you.

SPEAKER_04 14:44

Yeah, that's true. That's a good point. But I guess anything results in a not a you, right? Like if someone took a left instead of a right, you know, maybe my dad would have not met my mom and then they would have never fallen in love. So it's kind of like we're all just like one tiny little bit.

SPEAKER_01 15:00

We're one con leaving a convent and priesthoods away from the We're one disillusioned priest and nun away from not existing, right?

SPEAKER_04 15:09

But I just mean I'm I'm culturally Catholic, you know, and I I appreciate some of the ideals of the Catholic Church. The actual credos are crazy. Like someone turn bread and wine turn into human flesh and blood is sort of pretty weird. But the but you know some of the nice things are good, you know.

SPEAKER_01 15:26

Medicare for all, even you. M F A E Y. Even you.

SPEAKER_04 15:32

That kind of puts people in a corner. Like, yes, even your loser, you suck losers. You right now listening to this. Even though what if we called it insurance global health insurance? G-H-I.

SPEAKER_01 15:49

Health-palooza.

SPEAKER_04 15:51

Health.

AI Fraud Detection And System Design

SPEAKER_04 15:57

Claim a Zilla. Claimzilla. Oh, I like that one. Claimzilla, like Godzilla, but claim but a healthcare claim. That could be good.

SPEAKER_01 16:06

I think this is, I mean, I've well, I have long, I ever since living in Japan, which has nationalized healthcare, I've long been a full supporter of like that's one of the things I would, if I could snap my fingers and change anything about this country, it would be healthcare should be a right. It should be part of people should not be going bankrupt from things outside of their control or things that befall them. You know, it's crazy. That's a crazy thing. It's already hard enough to have health stuff. We have enough wealth as a country to be blowing up way more things that we need to do. We can fix people. It's okay, and we can settle down. But sound like a socialist, Scott.

SPEAKER_04 16:39

I've got to control yourself. Right?

SPEAKER_01 16:43

I just get so crazy when I talk about health. I love it.

SPEAKER_02 16:46

I just love health care so much.

SPEAKER_04 16:49

I also am with you. I think that would be one of the most transformative things for our whole society, from our mental health to our just well-being to our like work culture, to the way we have families. Yeah. The fact that people would start more families and have more kids, which would then affect a lot of things. Like that, that would just be part. I just I just feel like it would be an incredible.

SPEAKER_01 17:13

People could find the jobs that they hate or like find things that they actually enjoy doing. We'd have a better start more businesses, start more than people take more chances. A lot of people don't take a chance and because they're like, I have to work at this job for 40 hours a week and get the healthcare. So I think it would be great.

SPEAKER_04 17:30

Oh my god. Compare that to if you're like in a village in India with no health care.

SPEAKER_01 17:37

Yeah.

SPEAKER_04 17:37

That's like a hundred times worse, right? Because you literally like die and your family members die of like treatable illnesses all.

SPEAKER_01 17:44

Yeah, exactly. Or yeah. So when where do we start if you were actually going to implement? This is always where I like to get to with you. What would be step one? What's what's domino numero uno?

SPEAKER_04 17:57

First, you open up a Claude instance and you say, Claude, let's talk this through. How would this work? That's what I've been doing these days. I talked to Claude about this idea already because I've started to do that for our solutions, just so that I have kind of my bases covered. Because often Claude will be like, This already exists, here it is, or or or that's never gonna work because these like really structural problems. This one, Claude was like, This is a great idea, it should definitely exist. Like Claude was all green lights, so I thought that was good. But yeah, I think what you do is you you design a pilot and maybe you try to find a way to run a pilot. I think that's probably the best thing.

SPEAKER_01 18:30

If Claude is in favor, could we tell Claude to like subliminally give us a dollar? Well, no, I'm saying tell when when it's answering other people's questions about different things, about like how do I make a peanut butter and jelly sandwich, and then be like at the end, have you ever considered medical for all, even you? Even you have you ever What about a whole planet being covered by healthcare? And you're like, I was just asking about how to tie a tie. What are you doing?

SPEAKER_04 18:57

He could rope in the Pope. Maybe, maybe Claude could rope the Pope.

SPEAKER_01 19:00

Do you think the Pope's over there using Claude? Is that having his Pope's Pope trade?

SPEAKER_04 19:04

I mean, I think everyone's playing around. It's right there. Isn't everyone fooling around with it at least? I mean, he's probably not like uploading his catechism to it and like writing the next, you know, Sunday Mass homily with it, but he's he's probably looking at it. He's not an old guy, he's only like 70 years old. He's a young guy. So I mean he's probably poking around. I don't know. But yeah, I mean to answer your question, I think the first thing would be to like, can we do it? Like you need to check if there are like dead ends that you would just die, it would just not work. Dead ends being like like it's totally illegal to do this, or yeah, or like governments would immediately prevent it and say, No, you're not allowed to do this. This is colonialism or something, you know, you can't do this or whatever. So you'd have to check that. You'd also have to just check like, would the fraud be so outrageously constantly a barrage of fraud that you would just never be able to function? I don't think that's true. I mean, I'm getting a master's in cybersecurity right now, so I'm really thinking through like how you would do the full, you know, fraud prevention and and cybersecurity structure of this. And it seems pretty straightforward. You know, you use Recaptchas to block any robots and you do everything, you know, with authentication with authenticator machine, you know, text messaging, two-factor authentication to like make sure it's a real person. You validate people's identities in all kinds of ways. People can upload pictures of things because you don't have to really validate that many people per clinic. You know, you could do that part manually, even like you could just look, oh, they're a doctor, yeah. Here it is, you know. And then, you know, so I think you could do a lot. I think it would be, I think you could avoid the fraud. And then it would be a question of like, I used to run hospital billing systems in major health systems in the country. So I mean, I've this I'm not just like making this up. I'm not like, oh, I don't know how this works. I know how it works. Like I've been in the butt I haven't been on the other side. I haven't been on the side of the side. Right. Yeah. What we would need is someone who is works in an insurance company who has done this on the claim side, who has received claims and processed them and sent them

Pilots, Legality, And Cybersecurity Basics

SPEAKER_04 21:15

back. Maybe even someone from the government side, like from Medicare, because it's very similar to Medicare. Somebody like that on the team would be good because they would say, Well, here's how you do it, you know. Right. And here's how you could. They probably have a lot of red tape from laws, like government and laws and you know, oversight and blah blah. We wouldn't have that because this is just like a charity and it's just given as is. So you could eliminate all that and streamline everything, which is I gotta think.

SPEAKER_01 21:41

I mean, if betting apps and prediction markets and that stuff can go global and get into every single come on, yeah. Let medical don't restrict. Oh no, there wouldn't be any regulations. Let the regulations the idea that places wouldn't let it go. You'd have to be like, come on, you guys are letting people bet on whether or not it's gonna Rain tomorrow. What are you doing? Let us at least help people who don't have rain.

SPEAKER_04 22:04

Everything that is like awful is legal, and everything that's great is illegal in our it's crazy.

SPEAKER_01 22:08

Everything that's good, they're like, slow down. We don't have to tell people.

SPEAKER_04 22:11

You don't want to make a mistake here. I'm trying to start a university, and it's like hell on wheels. It's it's almost completely illegal to start a university. But if I turn around and want to make like a violent video game studio or a military industrial company that attached shotguns to drones and flew them around instantly. Yeah, they're like DC capital pouring in, pouring in. But if I want to start a university that like educates people one-on-one tutoring-based university, totally not like slow down, totally not listening. Yeah, yeah, yeah.

SPEAKER_01 22:45

Don't mess with our society in such uh awful and terrible toppling ways.

SPEAKER_04 22:50

It's horrible. So yeah, so what's illegal is is is good and what is illegal is bad, basically. So but this is good. This would avoid all that because it's it's going outside the country. You could also do it for poor parts of the United States. You could say, like, hey, if somebody comes in and they're totally strung out, they have no money, and they and they need health and care, you can actually submit a charity claim to this. But in America, there's like overlapping ways that people are already doing that. Like there's already things like that, you know, whether it's state funds or charitable sort of things that are kind of on offer. I'd rather do it like for like Haiti and you know, like really poor, like really regionally poor countries and parts of the world that were really desperate. So yeah, Medicare for literally all, even you.

SPEAKER_01 23:38

Well, we're gonna workshop that title, but it's there. It's there. It's it's it says what it is right in the title. But yeah, I love it, dude. I I'm always thumbs up for Medicare. I mean, I'm thumbs up for healthcare for people, I think.

SPEAKER_04 23:50

Yeah. One thing that's near to this, that's similar to this, there's nothing like, like I said, there's nothing like this, but some something that's close to this is give directly will send people cash for their medical needs. So if someone like shows they have a health problem, give directly will enroll them in like a program where they just get money for their health needs, and then the person decides how they want to use that money to meet their health needs. That's cool. So they're like on the other side, they're like on the sort of personal side. This would be on the on the clinical provider. The provider has to submit a claim to us. And then we pay the provider directly whatever the you know the billable amount would be.

SPEAKER_01 24:35

Which to my mind seems like it leaves fewer options for issues. But yeah, I guess they're both good.

SPEAKER_04 24:41

I think give directly is good. I don't think it's necessarily better or worse. It's good to have cash. You know, sometimes your health problem comes along with a bunch of costs that the provider doesn't cover, right? So if you have a health problem and then the provider's like, you need this drug, go to the pharmacy and buy it. You don't have any money, you're screwed, you know. Uh so but if the give directly, if you have that money, then you get go to the provider, pay the provider, diagnose you, you have this disease, you need this drug, go to the pharmacy, pay for it. You know, maybe even need to change your diet, you need to take time off work, you need to use, you know, so so the money cash is good. So give directly is good. This is just, you know, I think you know, it takes takes takes more than just one thing, you know, it might need a couple things. But it's similar to give directly, but it's give directly to the provider instead of give directly to the patient. So in a way, it's sort of like a give directly. I wonder if give directly wouldn't even just copy this if we made it. Or we could partner with give directly because it is cash, you know, it's like giving cash, but it's but it's cash to the provider.

SPEAKER_01 25:37

Going to a different sort of yeah, a different application. Yeah.

SPEAKER_04 25:41

The other cool thing about this is that it drives the development of a health system in those areas. So like if you have a country and it's like, oh, we don't have doctors, we don't have enough clinics, we don't have enough hospitals, well, like wouldn't it be you know, you might build more hospitals and clinics and train more doctors if you knew that you could get many millions, you know, 10 or 15, 20 million dollars of these claims could come in to those and if you know they're gonna be used because the people know that they can come and get treated.

SPEAKER_01 26:11

Right. Regardl, you know, regardless that it's gonna be a thing, it's a chain reaction getting in.

SPEAKER_04 26:16

Yeah. So the the danger is the is the fraud and the chances of abuse, but I think that could could be controlled for. Oh, I came up with another way to control that, which is you could so I it came from there's this thing called micro lending, which has been a thing for 25 years to try to

Group Accountability And Snap Audits

SPEAKER_04 26:35

help underdeveloped places be able to sort of develop. It's not super as effective as people hoped. Like people thought microlending was gonna like just eliminate poverty.

SPEAKER_01 26:44

I need you to explain when you say microlending, my mind goes to like loan sharks who are like, I'll lend you 500 bucks and I'll lend you 500 bucks.

SPEAKER_04 26:52

It was supposed to be like it was loan sharks, but they were like supposed to be from nonprofit development agencies, so their interest rates would like stay manageable.

SPEAKER_01 26:59

And they don't they don't hire the the like breakfast, they don't break your kneecaps, yeah.

SPEAKER_04 27:03

Okay, good. So it's supposed to end poverty, it was supposed to just be this amazing thing. It didn't really end poverty, but it helps, it's interesting, whatever. Anyways, one thing that they do is to get these loans, a lot of times you have to come in a group. So, like eight people have to come and say, We all want a hundred dollar loan to buy cows or whatever, you know, buy sheep or so, you know, whatever it is, right? Buy a sewing machine for my sewing, whatever it is. So we all want a hundred dollars, you all come as eight. Now, if one person stops making payments, all eight of them are refused any more credit. So that has a bunch of effects where those eight, for example, they'll they'll go break their control. I mean, they'll go, they'll go punish, right? But they also won't let a bad actor into their group. Right. You don't want to be in with a person you're gonna need to pick up. All the liar, cheater jerks who are con artists are all no one will make a group. Yeah. Unless a group of con artists come. But so you have to defend for groups of con artists.

SPEAKER_01 28:04

Sort of shows up asking for group microphones.

SPEAKER_04 28:08

That could be the name of this service. It's a heist charity. So so you could do that. You could you could say a thing where it's like, oh, you need six doctors, six clinics need to all come together to be a little unilected. And then we give it to all of you. Now, if any of you start to send us fraudulent claims and we detect fraud in them, then you're all cut off. And so then, and if any of you know that another clinic is gonna start defrauding us and you whistleblow on them, then your cell is saved and we just kick out the bad actor, right? Like you create these incentives internally to then police themselves. And now you don't have to do as much checking because the chances are much lower. You just have to check that they're not all colluding to all cheat. Yeah. Which the way Medicare does that is every year or every couple years, they ask for like 200 charts. They're like, send us 200 charts to audit the system, to audit the system. And they have to do it in a snap, like the charts have to be delivered within 24 hours. And if you can't do a snap audit, then you get cut off. So you could do these things to kind of so people know what they're signing up for. Like, okay, you have to come in a group, you have to verify your credentials, you have to be ready for snap audits at any time. But if you do all that, we'll send you claims, we'll pay you claims, and you can do medicine for very poor people wherever you are in the world, anywhere in the world. There you go, man. Medicare for all, even you.

SPEAKER_01 29:36

Literally all, even you.

SPEAKER_04 29:39

Literally all, even you. God damn, that's a bad thing. Global health insurance, G H I. Yes, G H I.

SPEAKER_01 29:45

That's so much better.

SPEAKER_04 29:47

Well, by comparison, anything sounds better.

unknown 29:50

Yeah.

SPEAKER_01 29:50

For global health insurance for all, for literally all, even you. How's that? There you go. There you go. We're getting it back in. Amazing.

SPEAKER_04 29:57

Awesome. So yeah, I think, and I think you could even make maybe you could even make like a kind of because in Africa there's a lot of like SMS-based stuff. I wonder if you could make like an SMS operating system. Text messaging, yeah. Uh yeah, people can like text message money, they can text message to interact with websites, like they can text message for everything. And then they might not have

SMS Claims And Ultra Lean Operations

SPEAKER_04 30:15

internet like broadband, but they can text message and like in the whole country. So you might be able to make something like that where it's like use our text message interface, and people can maybe they can't set up an account with text message, but they could submit a claim with text message. So if they have a thing that they set up like at an internet cafe, then when they go out to like the areas where they're poor or whatever and they don't have internet, they could still be like documenting and sending text messages, and then the money could start, you know, ch ching, ch ching, ch ching in and they could keep operating. So yeah, there's a lot of really cool kind of uh things you could do with this, and then you raise money. You go to rich people and you say, Hey, docks of the borders, give directly, like these are great, but like we can show that this is we're we're really making an impact. This is a really important part of the the milieu to provide healthcare for people. Do you want to save people's lives? You know, there's all this like effective altruism, you want to save people's lives. Well, shit, I got a guy with TB in rural Africa who like won't get TB meds, but if you give us 50 bucks, they'll get TB meds, they'll live, you know, save a life, 50 bucks, you know. So it's a kind of exciting, and it's direct cash. I think that's the cool thing. Like, it's not like give us money and we'll go do, you know, programming, you know, we'll go do you know, doctor training in Africa. Like, no, that's gonna take fucking that's crazy. It's gonna take forever. Direct. And how much money goes to the you know who and who administrator gets a salary and everybody. This could be like a super, super tiny team. The tech team that builds the system, which a lot of that could be open source and just volunteer. A lot of software engineers are willing to volunteer for something like this. Build it, very small team, very, very focused, small team, and then this global impact. Very cool. I think it'd be very easy to sell. And I I could be part of it because I actually have this epic, I was at Epic with the health insurance, and I did the build the hospital billing. We'd want somebody from the insurance side to come and be on the team, or volunteer at least to be on the team, maybe on the board or something, so kind of advise.

SPEAKER_01 32:13

Well, you and you need like a really high-paid podcast producer on the team.

SPEAKER_04 32:16

Yeah, come to think of it, that'd be one of the highest paid roles in the whole team. I feel like I'm just if I understand your idea correctly.

SPEAKER_01 32:23

This is for the important for all those uh you you don't even know what the needs are. The unknown unknowns. That's what I'm the comedy podcast that goes along with the global health insurance. I'll handle the unknown unknown unknowns, and that's like stuff that even the unknown guy doesn't handle. You know, like we'll uh it'll never get to me. It'll just be like, I think you can handle this. It hasn't reached my level yet.

SPEAKER_03 32:45

Malpin, get in here. We need you to tackle these unknown unknowns. Now here's your badge and your gun. Go go out and get them.

SPEAKER_01 32:54

Oh, okay.

SPEAKER_04 32:55

Usually I have to give you my badge and gun. Usually I'm in trouble and I have to hand them up.

SPEAKER_01 32:59

But this time the other extra now you get two badges and two guns.

SPEAKER_04 33:03

Two badges, two guns. Get out the ball.

SPEAKER_01 33:04

The more you argue, the more badges you get, the more guns you have to work. That's right.

SPEAKER_04 33:08

All right, that's right. So, yeah, so there you go. So if the Pope's listening, which I know, act very common listener. So solutions.

SPEAKER_01 33:16

We do have that one download every week in Vatican City.

SPEAKER_04 33:19

Yeah, it's got that mitered cap on the city.

SPEAKER_01 33:21

When we look at the demographics.

SPEAKER_04 33:23

And you know why? Who is that? You know why that is?

SPEAKER_01 33:26

We wrote the Pope.

SPEAKER_04 33:27

We wrote the Pope.

SPEAKER_01 33:28

That's why we wrote the clearly, it's evidence.

SPEAKER_04 33:33

We got the Chicago connection, you know?

SPEAKER_02 33:35

Yeah.

SPEAKER_01 33:36

Well, I love it. Oh, wait, let me do a quote. Okay.

SPEAKER_02 33:39

If he pulls a knife, you pull a gun. If he puts your man in the hospital, you put his in the morgue. That's the Chicago way.

SPEAKER_01 33:48

Beautifully performed.

SPEAKER_04 33:49

Yeah, are you familiar with that?

SPEAKER_01 33:51

Tell me again. I do that quote.

SPEAKER_04 33:53

That's Sean Connery.

SPEAKER_01 33:54

That's from Untouchables.

SPEAKER_04 33:56

Untouchables. There we go. I'm like, I've heard that. Yeah, that's right. It's one of the best lines ever, especially about Chicago. But yeah, so if the Pope's listening, send us a blessing or whatever popes do, or whatever. Please. An epistle, an epistle, something. Excuse you? Excuse me? What? And then an epistle. Doesn't that just mean a letter? Is it like a Catholic letter? It's an epistle.

SPEAKER_01 34:19

It sounds very It's a word.

SPEAKER_04 34:22

It means letter. Um, and then yeah, if anybody has a bunch of money or software or you're an insurance, come and help us. Maybe we build this thing, it'd be cool. At least we could do a little feasibility study and see.

SPEAKER_01 34:34

Perfect link. How would someone get in touch with us, Adam?

SPEAKER_04 34:36

Solutions from the Multiverse at gmail.com.

SPEAKER_01 34:39

For an email,

How To Help And How To Reach Us

SPEAKER_01 34:40

or if they want to find us on socials at Solutions from the Multiverse.

SPEAKER_04 34:43

Yeah, but we don't check any of that very much. But yes, you could probably go on there. We'd probably get an email if you if you messaged us on there. Yeah, we're on YouTube now. Oh, yeah, we're on YouTube. You can comment on the YouTube. We'll see that.

SPEAKER_01 34:54

Absolutely. Find us. We're we're findable.

SPEAKER_04 34:56

So yeah, let's do it. Let's uh let's make Medicare literally for all, even you.

SPEAKER_01 35:03

Global health insurance, please.

SPEAKER_04 35:04

I if you do a joke three times, it's funny the first time, the third time, the 18th time.

SPEAKER_01 35:10

So we have very much believe you can go down and then it ramps back up if you stick with it longer. Yeah, just stick with it. We gotta keep going. Let's keep doing it. If a joke's not funny, it's just because you haven't heard it enough to do that.

SPEAKER_04 35:21

You haven't heard it 17 more times. Exactly. All right. Well, thanks everyone. Fast episode today. Get in touch. Share, share our podcast with your friends and family. You know, pick a solution that you think you're you think is cool or you think your friend would think is cool and send it to them. That's really the way podcasts grow, and that's the way we're gonna grow. So yeah, send send this or other things to other people. And yeah, the solutions of the multiverse is all about how the solutions to our problems have not even been like we've never even heard them yet. They're not even here yet. So it's important for us to like stimulate our imaginations to think completely outside the box and really have new ideas. Yeah, name them and define them. Yeah. So yeah, please send us problems, send us solutions, send us questions, get in touch with us. More to come. Our YouTube is blasting off now because we got some cool tech to make the YouTube work, and uh, we'll we'll make some other platforms available too, and hopefully that'll increase the SFM family. For sure. I hate that. I don't like calling things families. The SFM.

SPEAKER_01 36:23

What if you do it with an Italian accent though? The SFM family. The SFM family. There you go. That's cool.

SPEAKER_03 36:32

And we'll we'll keep it in the family. Yeah.

SPEAKER_04 36:35

Okay. Thanks everyone. See you next time. See you, Scott. Bye, everyone. Bye.