Based Camp - Mass-Murdering CEO Ended： American Enters Her Villain Era

00:00:00.120 Smithers had thwarted my earlier attempt to take candy from a baby, but with him out of the picture, I was free to wallow in my own crapulence.

00:00:07.720 But the old axiom was misleading. Taking the candy proved difficult.

00:00:17.820 Hello, Simone! Today we are going to be going over the murder of the CEO of UnitedHealthcare.

00:00:25.020 We are going to go over the ethical arguments tied to the murder, the fallout of the murder, how the murder happened, the potential suspects at play, because it is a mystery.

00:00:37.100 Some evidence points to the wife. I strongly disagree with this evidence, and we'll get to why, and how the murder was pulled off.

00:00:47.840 Let's get into it. This is juicy.

00:00:49.620 I mean, if we want to talk about, like, the insanity of the reaction to it, one of my favorite, like, most comical parts of the reaction to it has been the reward put out for any information that leads to this guy by the police department.

00:01:03.900 They put out a 10k reward.

00:01:08.100 Okay.

00:01:09.760 Nice. Nice.

00:01:12.080 Well, he murdered a CEO of UnitedHealthcare.

00:01:14.760 This is serious. We need to track this student down and give him his luckiest boy in America medal right away.

00:01:23.040 And, Simone, I will lay out the basic information, the moral dilemma here, and how people are reacting to this first.

00:01:31.300 Because I think that people are playing this like, this isn't a real moral dilemma, and it's like, just never react with joy to a murder.

00:01:38.120 Like, never celebrate a murder.

00:01:40.180 And yet, people celebrated the murder of bin Laden.

00:01:43.640 This person almost certainly kills more people per year than bin Laden killed in his entire lifetime. 0.68

00:01:50.640 This is the best I have ever seen deontological ethics framed against consequentialist ethics.

00:01:56.280 Oh.

00:01:56.480 Because, like, deontological ethics, this person was doing nothing wrong.

00:02:01.440 They were doing their job.

00:02:03.520 Yeah, maximizing shareholder profit. Yes.

00:02:05.800 Everyone who died as a result of that was someone who they had killed legally.

00:02:11.940 Yes.

00:02:12.840 Slight caveat here, which muddies the waters a bit, is this guy was not even acting with fiduciary responsibility in the best interest of his investors because he defrauded his investors.

00:02:22.060 We'll get to that in a second.

00:02:23.000 The person who assassinated them almost certainly lowered the number of random innocent Americans who will die over the next few years, even if just due to the trepidation of CEOs around making these kinds of decisions.

00:02:37.340 Right.

00:02:37.520 So you basically think he's causing a chilling effect that will make other insurance company leaders nervous.

00:02:44.940 And to be clear, I'll put a chart on screen here, and you can see that they had over twice the number of claim denial rates of the average insurance company.

00:02:55.000 This increase happened under his reign.

00:02:57.820 It increased to 32%.

00:02:59.760 This is Kaiser Permanente, the largest health insurance company, only denies 7%.

00:03:06.340 Over the past five years, since this guy came into power, their denial rates tripled.

00:03:11.300 Tripled.

00:03:12.120 Oh, tripled.

00:03:15.220 This guy came in in 2021.

00:03:18.280 Okay.

00:03:18.980 When he came in in 2021, the company only denied post-acute care by 10.9%.

00:03:26.480 Oh, they were great when he started.

00:03:31.000 Yeah, it was 22.7%.

00:03:33.020 Now, obviously it went up from there, but this is just one category.

00:03:35.640 Yeah.

00:03:36.560 Ooh.

00:03:38.840 This, it is, it is not at all an exaggeration to say this person's leadership and choices were killing, if you're talking about 57 million people under care, probably dozens of people a day.

00:03:52.560 Honestly, it's hard for me to deny this, considering those numbers.

00:03:55.560 That is damning.

00:03:57.540 Yeah, that's really bad.

00:03:59.960 You want to know why I don't have a coterie of supervillains?

00:04:02.120 Why? 0.99

00:04:02.900 My coterie is six feet fucking under. 1.00

00:04:04.720 Batman doesn't kill people? 1.00

00:04:06.320 Because he's a pussy. 1.00

00:04:07.320 He's a dark creature of the night. 1.00

00:04:09.100 He's a jackass who wrestles with murderers dressed like clowns and throws them in prison so they can break out of prison and then murder more people. 1.00

00:04:16.280 Riddle me this. 1.00

00:04:16.740 How many people do you think that man's indirectly murdered by being too much of a candy ass not to kill these fools who clearly need to be smoked once and for all, you wrinkly, sharp, hay-looking, dementia-infested fuck! 1.00

00:04:26.200 But it's not just that. 0.99

00:04:28.460 Here is an article UnitedHealthcare uses AI model with a 90% error rate to deny care based on a calculation on the percentage of payment denials reversed through internal appeals processes or administrative law judge rulings, as described by an ongoing class action lawsuit brought by the estate of two deceased people.

00:04:46.340 So two people who he killed, their families brought a lawsuit against him.

00:04:49.440 Now, keep in mind, he also received a $10 million salary and spent millions on lobbying.

00:04:55.840 And if you're wondering about the types of claims that UnitedHealthcare was denying under his leadership, here is a letter that a doctor had to send him.

00:05:06.160 Dear buttheads at insurance company.

00:05:09.500 This is medical lingo, to be clear.

00:05:12.280 The butthead is a technical term.

00:05:14.220 Sorry, carry on. 1.00

00:05:15.500 I have to take time away from my patients to inform you that you are idiots. 1.00

00:05:20.380 This whole experience makes me want to vomit, but of course I wouldn't dare throw up without the approval of the insurance company, which brings me to my point. 1.00

00:05:29.620 Already, you have decided that a child receiving chemotherapy has no reason to be nauseated, and this is in response to their denying nausea medication to a child who is likely going to die going through chemotherapy.

00:05:46.100 Oh, wow.

00:05:47.440 That's a bad look.

00:05:49.180 Like, oh, no, no, no, no, no, no, no.

00:05:53.040 Huh.

00:05:53.940 And it's not just that.

00:05:57.020 So I will, at the end of this, go over lots of individual instances here.

00:06:01.040 But I'll just go over one anecdote here.

00:06:03.460 And this was somebody who just recently, just yesterday, they had talked to, for two hours, on the phone with seven to eight different people at UHC, trying to figure out why they denied their 80-year-old mom's peripheral anagram.

00:06:16.780 She has 60% blockage in her right leg.

00:06:19.380 It has a lot of pain and now has to walk with a cane or a walk around my household, even short distances.

00:06:24.700 Her cardiologist requested a prior authorization for it, but UHC denied it because, quote, she hasn't tried 12 weeks of PT, end quote.

00:06:35.360 What?

00:06:35.960 What?

00:06:36.240 Basically, they're saying, yeah, she'd probably die within that amount of time, but whatever.

00:06:41.000 You know, like, and here are what I'd say.

00:06:45.460 So people are like, okay, but that doesn't, just because there is somebody out there legally killing probably tens of people every day, that doesn't give a sovereign citizen the right to go out and kill him.

00:06:58.960 And then I would say, okay, so what's somebody supposed to do if they watched their daughter slowly dying in front of their eyes or their wife?

00:07:08.180 And they, every day, were filing with this company.

00:07:11.040 Every day, they were spending hours on phone calls with this company.

00:07:15.440 They knew it was unjust, but they just didn't have the money to fight back.

00:07:18.780 This company continued to take money from their family every single year.

00:07:22.740 And you go to that individual, and you're like, I'm sorry, other families have to experience this as well.

00:07:27.420 And then the person says, well, then what am I supposed to do?

00:07:30.680 And you say, well, you should let the legal system handle it.

00:07:35.000 I think it may be. 1.00

00:07:36.020 Destroy him! 1.00

00:07:36.640 Destroy him! 1.00

00:07:37.200 Can you explain the thermonuclear bomb and ransom note found in your armored limousine? 0.99

00:07:41.560 Yes, I can.

00:07:42.800 They were merely research for my novella. 0.99

00:07:44.600 Give me money, or I'll destroy your president.

00:07:47.220 I'm a legitimate businessman who has been unfairly stigmatized.

00:07:50.940 Why would I?

00:07:51.500 I, a humble man, possess a cache of nuclear weapons capable of destroying the city ten times over?

00:07:58.460 No!

00:07:59.440 I believe that truth and justice will prevail.

00:08:02.880 The system works.

00:08:04.320 And I have faith in the system.

00:08:06.140 God bless America! 0.99

00:08:07.120 Destroy him! 1.00

00:08:07.800 Destroy him! 0.99

00:08:08.800 And I'd ask you, seriously, do you think that this guy will ever face any serious repercussions from the legal system for what he's doing? 0.63

00:08:17.700 No, of course not.

00:08:18.600 Do you think he's going to stop doing what he's doing?

00:08:20.660 Do you think other CEOs are going to stop doing this more and more and more and more people are going to watch their kids die?

00:08:28.040 And more people are going to watch their spouses die slowly? 0.99

00:08:30.700 Yeah.

00:08:31.660 Well, this is just a more violent, death-related version of what happened with the housing crisis and the financial crisis in 2008.

00:08:40.180 We saw what happens to people who are very wealthy and well-connected when they do something proofably wrong.

00:08:46.440 Even illegal in their case.

00:08:47.680 Yeah, this is nothing more than a salty slab of justice jerky cut and dry.

00:08:53.640 So, you know, case closed.

00:08:55.140 They say we, uh, I'll skip this trial thingy and go home.

00:08:58.600 Okay, what he's trying to say is that we believe that truth and justice will prevail, that the system works, and we have faith in the system.

00:09:07.040 When do I get to hit him again?

00:09:09.560 This guy actually might have had a prison sentence in his near future, but it was for securities fraud, not killing people. 0.75

00:09:16.380 Oh, okay.

00:09:17.460 Because that's what the government cares about.

00:09:19.680 Yeah.

00:09:19.920 Okay, so, and I'll go, no, at some point you need to ask, like, okay, Nazis are taking over your country.

00:09:28.460 Like, how bad do things need to get before you say, they might be killing people legally, but at some point somebody needs to do something.

00:09:37.460 I used to think God put me in for a purpose.

00:09:40.220 For peace. 0.99

00:09:41.520 You know, lately I'm just thinking I'm a fucking maniac. 1.00

00:09:43.020 Do you think I feel good when, after some dude does some atrocious act, that I have to kill them? 0.99

00:09:50.740 When I find out someone murdered an innocent person, or sold somebody heroin, or did some graffiti, and I kill that person with my bare hands, you think that gives me pleasure? 0.97

00:10:04.660 No.

00:10:06.620 Well, it does.

00:10:07.900 What separates us from other killers is we only kill bad people, usually.

00:10:15.780 Unless there's a mistake. 1.00

00:10:17.180 Now, do I sound like a fucking maniac? 0.99

00:10:20.720 So, you might be like, well, the guy had kids and a wife, right? 0.99

00:10:25.500 And I'm like, actually, they were separated and he wasn't living with them.

00:10:29.440 And then you're like, okay, well, maybe he had, like, a good heart.

00:10:31.880 Like, he gave to non-profits or something.

00:10:33.860 I looked, I can't find any non-profit fundraising.

00:10:36.120 I can't find any donations, major donations, to non-profits.

00:10:39.780 And then you can say, okay, well, maybe this was just, like, he just did this one thing and it was, like, his job.

00:10:46.580 And he, like, wasn't otherwise an evil person.

00:10:49.740 No, he was in the process of being sued for defrauding a firefighter's pension fund.

00:10:54.180 How do you even do that?

00:10:56.340 Are you a real villain?

00:10:58.300 Well, technically, uh, nah.

00:11:01.120 All right.

00:11:02.140 I can see that I will have to teach you how to be villain.

00:11:06.920 Okay, so I can go into the specifics of this case.

00:11:09.600 The Hollywood Firefighter's Pension Fund fired a lawsuit against Thompson, alleging he had sold over 15 million of UnitedHealth stock,

00:11:15.820 despite being actively aware of a Justice Department antitrust investigation into the health insurance company that he did not disclose with the investors or the public.

00:11:23.840 Oh, disclosure's issue.

00:11:25.040 Yeah, okay.

00:11:25.820 It erased 25 billion of shareholder value when it was released.

00:11:29.000 Oh.

00:11:31.320 Oh, yeah, right.

00:11:33.180 Hold on.

00:11:33.700 He sold 30% of his shares in the company as soon as they were under investigation.

00:11:38.240 He did?

00:11:39.460 Oh, lord.

00:11:40.420 Yes, without telling the investors.

00:11:41.560 So he didn't even practice fiduciary responsibility.

00:11:43.760 Hold on, now you might be saying, okay, okay, okay.

00:11:46.500 But it's not like he was stealing from every American taxpayer watching this right now.

00:11:52.100 Well, you'd be surprised.

00:11:53.900 Actually, for the second time in one month, the U.S. Justice Department sued UnitedHealthcare Group for wrongfully obtaining a billion dollars in Medicare.

00:12:03.120 Oh.

00:12:03.380 The Justice Department's involvement highlights the gravity of the situation.

00:12:07.060 This is the second time they had done this.

00:12:09.000 Oh, wow.

00:12:10.900 I know Doge is talking, and I guess that Gramaswamy and Musk are talking about unauthorized payments through Medicare and Medicaid.

00:12:20.380 Maybe this is what they're referring to as well.

00:12:23.640 Stuff that's going to both medical providers but also insurance companies.

00:12:26.760 Basically, they were telling patients that their illnesses weren't severe enough to be worthy of stuff.

00:12:31.520 But whenever a patient, they did give out money, they would then go to the U.S. government and exaggerate the patient's symptoms to get more money than they were giving out.

00:12:39.380 That makes sense.

00:12:40.120 Again, this is an adverse incentives thing.

00:12:43.140 They're doing what they need to do to maximize profits.

00:12:46.080 Hold on.

00:12:46.920 Yeah, so you're here saying, like, yeah, but this is just, like, indicative of the whole industry.

00:12:51.580 Yeah, I'm saying don't hate the players, hate the game.

00:12:53.660 I am.

00:12:54.480 They say, Malcolm, hold on.

00:12:55.000 Listen. 1.00

00:12:55.340 They say, Malcolm, you're a monster. 0.98

00:12:57.440 Imagine your father made hundreds of millions of dollars running an insurance company that dealt with life and death. 0.97

00:13:06.900 Surely, he would not be able to avoid scandal to provide for the family.

00:13:12.080 Now, do you remember the company that my dad sold?

00:13:16.480 Yeah.

00:13:17.520 It's a life insurance company.

00:13:19.380 It was a $19 billion company when he sold it.

00:13:22.860 It was built by my great-grandfather, grown by my grandfather, and grown significantly by my father, who sold it.

00:13:30.280 It was called the Fidelity Union Life Insurance Company.

00:13:33.300 If you haven't heard of it, you may have heard of the U.S. branch of Allianz, which is what it transformed into after my dad sold it.

00:13:40.600 And you might be like, oh, you rich kid, Malcolm. 0.99

00:13:42.720 I inherited jack shit. 1.00

00:13:43.820 When my mom died, I got $30,000. 0.99

00:13:45.400 Because my family believes in heavily, heavily donating money, heavily, heavily doing everything they can to give back to the country, being in Congress, or donating lots of money.

00:13:56.840 As you know, someone, you see my family's plaque to all these museums we go to, but I don't have any of that money.

00:14:02.540 And a lot of it was stolen as well.

00:14:04.140 I'll admit that.

00:14:05.220 But they were really, really big philanthropists with all this stuff.

00:14:09.140 And they were never involved in a major scandal.

00:14:22.780 The only major scandal I could find, or lawsuit I could find, was an individual who was killed by a robber, and they didn't pay out to his family.

00:14:30.720 You can ask why didn't they pay out to his family?

00:14:33.080 Because he had stopped paying premiums.

00:14:35.580 And the court decided in their favor and said, yeah, don't pay to somebody who stopped paying premiums.

00:14:42.000 What are you talking about?

00:14:42.860 Yeah, that seems like a fair deal.

00:14:44.880 And then they're like, well, certainly, you know, your dad wouldn't have been a generally good guy outside of this.

00:14:49.420 Well, he did win a 10 Young Outstanding Americans Award to recognize his honor and not just building lots of jobs for this country, but in, like, one day, like, the level of heroism of this guy is hard to overstate.

00:15:02.580 There was a storm on Lake Texarkana one day, and he was out sailing, and it turned into, like, a big squall, and there were no other boats out there, and he had none of the safety rigging on his boat.

00:15:11.420 He had none of the rigging on his boat because he had already started to take down the boat for the end of the season and was just doing one final sail around the lake before going in.

00:15:20.800 And a big yacht thing started sinking, and it turned out it was a party boat.

00:15:24.960 And so he goes and swims out from a sailboat without lines and rigging except for the ones for the sails to save everyone on the boat.

00:15:34.720 He could easily have died trying to save them.

00:15:36.800 It's insane that he did this. It's amazing.

00:15:39.260 And to clarify, this wasn't, like, something he did before he was a rich person running an insurance company.

00:15:45.140 This is something he did while he was in the position of CEO of the insurance company.

00:15:50.100 You – this is the point I'm making.

00:15:52.840 It's not like you can't be a good person and run a company in an industry adjacent to this.

00:15:59.080 By the way, if you're wondering the tricks to making money in the industry, like the reason my family did well in the industry, because you're like, wait, how could they possibly have done well if they tried to do everything ethically?

00:16:09.040 They had two big innovations. One was that you would get stock in the insurance company when you paid your premiums, which motivated selling to your friends and stuff like that.

00:16:20.160 And the other was – and they were the first people, I think, to ever do that, to, like, give stock in exchange for buying stuff.

00:16:26.540 And then the other thing that they did was the primary sales tactic that they use, which is that life insurance is non-taxed.

00:16:34.400 And so for specific wealthy individuals, they could sell it to them and say that this gets around the tax that your estate would otherwise get when you die, because it's an asset that's owned by the in-person.

00:16:45.260 And this is a strategy my dad actually developed, because before he was allowed to run the company, he had to go out and be a salesperson, and he actually became the best salesperson in the company.

00:16:54.600 And that's what gave the board.

00:16:56.320 His dad didn't want him taking over the right to put him in and get rid of his own dad.

00:17:00.880 That's so cool. Wow. I didn't know that.

00:17:03.560 But the point I'm making here more broadly is you don't have to be – like, I am not against rich people.

00:17:11.060 I am not against ultra-capitalists.

00:17:12.700 People know I stand for people like Elon all the time on this show.

00:17:16.080 I have no animosity to this guy because he won in a capitalist system.

00:17:20.000 I have animosity and moral questions because the core way he won was by taking money from people he was killing.

00:17:28.740 Yeah, and he could have done so many things to maximize shareholder profit that didn't involve that.

00:17:32.820 He could have reduced bureaucratic bloat.

00:17:34.540 He could have automated more.

00:17:35.700 He could have streamlined his systems.

00:17:37.620 He could have made the company operate better.

00:17:39.420 There's a lot of things.

00:17:40.340 We use UnitedHealthcare as our insurance provider.

00:17:44.520 And I can tell from just my customer perspective that there's a lot they can do better just from an ops standpoint.

00:17:51.820 And that's not what he was doing to maximize profit.

00:17:54.620 Yeah, well, but hey, it wasn't that he wasn't focused on signaling as a company what a good guy they were.

00:17:59.640 While they might have been denying your kid's cancer treatment or your grandma's, you know, heart surgery, they were voluminously providing puberty blockers to underage kids.

00:18:10.320 Are you kidding me?

00:18:11.680 Oh, boy.

00:18:12.840 Okay.

00:18:13.060 It's not about money.

00:18:16.780 It's about sending a message.

00:18:20.300 Wow.

00:18:20.700 And this is where it gets interesting in terms of the fallout and reaction to this.

00:18:24.820 And I think many on the left are beginning to realize that they are the party that's protecting oligarchs.

00:18:30.380 And they are surprised about this.

00:18:32.580 Like Taylor Lorenz, the person who doxed libs of TikTok and an absolutely garbage person, has been cheering about this over and over and over again on her profile in Blue Sky.

00:18:43.040 And just getting absolutely dunked upon, even on Reddit, and I'll put a story here, moderators have been deleting threads as doctors torch-dead UnitedHealthcare CEO.

00:18:53.300 And people on these lefty platforms are like, wait, why are our leaders hiding anything that presents any sort of a moral argument around this?

00:19:02.580 And I think that they're like, I hope some of them wake up and they're like, wait, wait, wait, wait, wait, wait, wait.

00:19:06.920 Are we the bad guys?

00:19:08.400 Are we the ones who are supporting the oligarchs who are killing children?

00:19:15.080 Are we the ones who are that callous with human life so long as you follow the deep state's rules?

00:19:19.880 So long as you aren't a threat to the existing order?

00:19:23.700 Are we the ones who enabled all of this with Obamacare to begin with?

00:19:29.400 I've just noticed something.

00:19:31.820 Have you looked at our caps recently?

00:19:36.400 Our caps?

00:19:37.200 The badges on our caps.

00:19:40.100 Have you looked at them?

00:19:41.400 What?

00:19:42.040 No.

00:19:43.300 A bit?

00:19:45.240 They've got skulls on them.

00:19:48.740 Have you noticed that our caps have actually got little pictures of skulls on them?

00:19:55.080 I don't, uh...

00:19:56.480 Hands.

00:19:59.600 Are we the baddies?

00:20:02.120 But...

00:20:03.080 I'll get into more specific...

00:20:07.280 Because it is really hard to say, like, as you said, we'll get into the specifics of what this guy did, that there weren't other ways he could have pursued increasing profits.

00:20:15.340 Specifically, his strategy was just to deny more customers and to make it much, much harder to get things paid for.

00:20:21.580 But I want to hear your thoughts, because you went into this telling me, Malcolm, do not make an argument that this is morally acceptable.

00:20:27.300 Malcolm, do not make an argument that this is morally acceptable.

00:20:29.800 Are you at all persuaded?

00:20:31.140 This is nothing more than a salty slab of justice jerky.

00:20:36.860 Cut and dry.

00:20:37.800 So, you know, case closed.

00:20:39.280 They say we, uh, I'll skip this trial thingy and go home.

00:20:42.660 Listen, I hear what you're saying, but I'm also concerned about legal liability.

00:20:46.460 And if someone who's a documented fan of ours goes on and assassinates some other leading unethical figure, I don't know, maybe there's a lawsuit in there, and I don't want to deal with that.

00:20:58.680 So I want to make it very clear that we are officially saying it is a very bad idea to ever assassinate someone, no matter how justified it is, no matter how logical it is.

00:21:11.380 Don't do it.

00:21:12.200 We told you to not do it.

00:21:13.520 If anyone says that you told us or that we told you to do it, they're lying because we're not.

00:21:17.900 And this is a video of us saying that.

00:21:19.820 Okay.

00:21:20.380 What he's trying to say is that, that, uh, we believe that truth and justice will prevail, that the system works and, uh, we have faith in the system.

00:21:28.680 When do I get to hit him again?

00:21:31.420 Yeah, I, I would say that it is illegal to do, right?

00:21:35.120 Like it's definitely a super illegal and that I like that I live in a country where if this guy is caught, he would face the death penalty for this.

00:21:42.980 And people can be like, wait, how could something be both something where you're like, well, there is an ethical question at hand here.

00:21:50.160 And you're okay with the guy who did this facing the death penalty.

00:21:52.560 If you are going to take justice into your own hands like this, you should be so certain that you are doing the right thing that you are willing to die for it.

00:22:02.220 Wait, and that's, yeah, that is, that is how breaking the law works.

00:22:05.360 And that's how most people should be thinking about teaching their kids about laws is that laws are price tags. 0.70

00:22:11.540 A speeding ticket is a price tag.

00:22:13.660 Sometimes it's worth it to pay that price tag.

00:22:15.300 The death penalty is a price tag and life in prison is a price tag.

00:22:19.340 You should be aware of the price tags associated with breaking various laws.

00:22:25.500 And don't see it as just like either don't do it or do do it.

00:22:28.340 It's a trade-off.

00:22:28.960 So here's the problem with this particular price tag in this instance is it may have been cheesed.

00:22:33.860 We don't know.

00:22:35.060 And we'll get into this in a second.

00:22:37.040 We don't know if the guy who killed him didn't have a terminal illness.

00:22:41.000 He may have been the one who was dying and being denied his claims.

00:22:44.380 That's true.

00:22:45.040 Well, and that, yeah, that makes, that makes terminally ill people very dangerous when it comes to assassinations because their price tag is very different.

00:22:53.220 What you're going to do.

00:22:54.700 Who want to push back on this and be like, no, you should never break the law.

00:22:57.520 You should never do this.

00:22:58.320 I ask you a question. 0.95

00:22:59.160 Would you murder Hitler? 0.98

00:23:00.540 If Hitler was rising to power in your country, would you murder Hitler? 0.99

00:23:05.140 Almost every sane person is going to say, I would murder Hitler, right? 0.88

00:23:09.100 And it'd be like, well, murdering Hitler was against the law. 0.68

00:23:11.580 And they're like, yeah, but he was going to kill a bunch of people in the future.

00:23:15.640 And I'm like, well, what's the number of people for you wear this tips?

00:23:21.240 Like, when is it okay?

00:23:22.820 How many people did?

00:23:24.740 See, this is the thing.

00:23:26.480 This is the trolley problem, again, is I think the vast majority of people, no matter how many people they could save, are not willing to pull that lever and personally be responsible for death.

00:23:37.700 Even if their act of killing someone or multiple people, saves more people.

00:23:43.800 They're just, most people are not willing to, I don't know what percentage it is.

00:23:48.500 I think the point is not being willing to, unless the situation is absolutely demonstrable.

00:23:53.340 Because we as individuals do not have good vision into these things.

00:23:56.960 Well, that's why it's the trolley problem, though.

00:23:58.920 That is supposed to be in demonstrable situations where you see the trolley and you know.

00:24:02.960 The point I'm making here, and the reason why I would generally be against something like this, is because you don't know.

00:24:09.940 You don't have insight into, is this person really responsible for it?

00:24:15.360 Yeah.

00:24:15.840 No, and that's my whole thing, is even if he's the one making the call, he's going to be replaced by someone else who does this.

00:24:22.360 That's where I'm like, I don't know if this is going to make a difference.

00:24:24.720 Do you think they would do it as brazenly?

00:24:27.060 I think they'd do it as brazenly with a lot of security.

00:24:30.460 They'd never be out in public without a lot of security, maybe a bulletproof vest.

00:24:35.880 Yeah.

00:24:35.980 I kind of feel like we as a society are getting to a point right now where, and I feel like this is what we saw with the Trump election,

00:24:42.120 where the average American who's been stepped on by the system over and over and over and over again,

00:24:47.580 is just like, where are our great CEOs anymore?

00:24:51.140 Where are the great, you know, meaningful philanthropy anymore?

00:24:54.220 I mean, look at who's leading, I mean, Elon Musk, Vivek Ramaswamy, Donald Trump.

00:24:59.820 I mean, a lot of people, he was elected originally in the election because they were like, I think he's a great CEO.

00:25:04.720 I think he's a great businessman and I want him to run the country.

00:25:07.280 I think that CEOs have always been.

00:25:12.100 This is the point I'm making.

00:25:12.900 When I say, where are they?

00:25:14.120 They're in this administration.

00:25:15.920 They are the ones that have been targeted by the deep state, targeted by the urban monoculture.

00:25:20.340 They are the ones who have been othered and made evil, while people like this,

00:25:24.220 are held up as paragons by the urban monoculture.

00:25:28.660 Oh my God, you cannot feel anything other than horror and shame that this person was killed, is what they say.

00:25:35.900 And then people will argue to me.

00:25:37.440 They'll say something like, well, how can you decide morality on your own?

00:25:41.820 One person on Discord is like, how can you decide what's good and what's bad on your own?

00:25:46.780 Figuring things out for yourself is the only freedom anyone really has.

00:25:50.500 Use that freedom.

00:25:52.040 Make up your own mind, Rico.

00:25:57.180 And I was like, well, like my logic, like thinking through this.

00:26:00.400 And then the individual was like, but your logic, you can't make like a logical argument about what's right and wrong.

00:26:05.700 At the end of the day, you're just creating like one overriding deontological rule when you do that.

00:26:09.960 You know, you're still using logic to create an arbitrary judgment.

00:26:13.660 And I'm like, well, here's the problem with that argument.

00:26:16.380 If you deny my ability to choose what's logic, what's moral based on my logic, using your logic, you have lost the argument because you have used logic to deny logic's ability to determine what's right and wrong.

00:26:32.920 You get nothing.

00:26:35.080 You lose.

00:26:36.620 Good day, sir.

00:26:37.720 Fun fact, Steve Davis, the guy who was the architect of the Twitter layoffs, did a real life Willy Wonka style giveaway of his first company, Yagato, ending up selling it for $1.

00:26:52.080 Expect to hear more about this guy in the near future.

00:26:54.700 But a great example of how you can be a good and efficient CEO was out killing children.

00:26:59.500 But it's worse than that because I don't think that any sane person sitting down is going to be like killing probably at least dozens of people every month, if not every day.

00:27:13.740 People who are paying you, people who are innocent, that that's a bad thing, right?

00:27:20.480 Like that's the thing that you would want stopped in some way.

00:27:24.340 And you might be right that this does nothing to stop it and the cycle just continues.

00:27:27.960 But I guess what I'm saying is like, I get it.

00:27:32.560 And people were also shocked when I said that with another potential assassination video where I was like, and in the other case, I disagreed with the guy, but at least I could empathize with where he was coming from.

00:27:42.340 In this particular instance, if it had been my kids or my wife, I, as a third party, I'm saying no, like horrible, don't do this.

00:27:53.020 But I have the luxury to say that because I didn't watch my wife slowly die over the course of two to three years at the hands of somebody who is taking my money and spending it on luxury, the plane flights and $10 million salaries.

00:28:07.760 Yeah, $10 million.

00:28:09.120 What do you even do with that much money?

00:28:10.700 That's insane.

00:28:11.440 And by the way, this is what somebody says who works in this industry.

00:28:14.960 They go, I've dealt with UnitedHealthcare for years, doing peer-to-peer reviews, trying to overturn their systemic refusal to authorize covered benefits.

00:28:22.940 This Brian Thompson was a criminal who led a criminal enterprise.

00:28:26.200 This company is responsible for untold harm and death to their customers.

00:28:30.740 Brian had it coming.

00:28:31.940 I will sleep better tonight.

00:28:33.400 This is somebody who day in, day out, this is their job.

00:28:37.000 Yeah.

00:28:38.260 Now I'm going to go into what actually happened with the assassination.

00:28:41.440 We can go over the suspects.

00:28:42.780 And then we're going to go into the argument that Brian Thompson had many other ways he could have extracted profit from the company and chose not to explore them and chose to just basically kill people in a way that I don't even think was long-term sustainable.

00:28:57.140 I think UnitedHealthcare will long-term suffer from the unsustainably abusive way he was treating his customers.

00:29:04.420 And there's evidence of that as well.

00:29:05.540 So he even wasn't long-term maximizing shareholder profit.

00:29:09.380 He was just being...

00:29:09.840 No, he wasn't.

00:29:10.380 He was short-term maxing it to get a sellout.

00:29:12.520 And then he sold 30% of his shares in the company as soon as they were under investigation.

00:29:16.860 He did?

00:29:18.080 Oh, Lord.

00:29:19.040 Yes.

00:29:19.140 Without telling the investors.

00:29:20.080 So he didn't even practice fiduciary responsibility, remember?

00:29:23.060 Oh, no.

00:29:24.280 Okay, gosh.

00:29:25.260 This just gets worse and worse.

00:29:27.580 Brian Thompson, the 50-year-old CEO of UnitedHealthcare, was fatally shot and attacked on Wednesday, December 4, 2024, in midtown Manhattan, New York City.

00:29:35.200 It was previously reported that the suspect used a city bike, which can be tracked.

00:29:39.960 But the NYPD has clarified the incident did not involve that type of bike.

00:29:44.320 The suspect had waited at the nearby corner all night until the executive walked by, according to witnesses.

00:29:50.260 People knew he was going to be there because he was going to a shareholders meeting.

00:29:54.480 And this, I think, blocks for me.

00:29:56.880 A lot of people have been like, oh, this was a professional assassin.

00:30:00.300 How did he know where the guy was going to be?

00:30:02.360 How did he know what door he was going to be using?

00:30:04.420 How did he happen to be there at just the right time?

00:30:06.700 He wasn't there at just the right time.

00:30:07.980 He was waiting there all night long.

00:30:09.700 That is not something I think a professional assassin would have done.

00:30:12.540 He was using public information to find the guy.

00:30:14.960 It was public information that he was going to speak at this shareholder meeting.

00:30:18.320 And we'll get into more in just a second.

00:30:20.600 Witnesses told reporters they heard three shots as he was parking a car in the area.

00:30:25.780 The three shots are actually really important because it tells you a part of how this was premeditated that the news hasn't caught on to yet for some reason.

00:30:33.840 Just to go over a map here that I'll put on screen.

00:30:37.800 This is a little out of date, but at 6.44 a.m., the victim was walking alone towards the New York Hilton Midtown after exiting his hotel across the street.

00:30:47.800 Now, this is actually right near where we used to do our morning walks and everything in Manhattan, Simone.

00:30:53.240 So you would have seen this if you were on a morning walk.

00:30:55.020 You remember what the streets are like at around 6.44 a.m.

00:30:57.680 They're pretty empty.

00:30:58.300 A lot of people have acted like this is midday.

00:31:00.500 Yeah, there's a decent number of early morning commuters.

00:31:03.620 Basically, all the working class people are out. 1.00

00:31:06.940 And then the early risers of the white collar workers are out, too.

00:31:11.400 It's not totally unpopulated.

00:31:14.640 Shooter then runs into an alleyway between 54th Street and 55th Street.

00:31:19.680 And that's where we always stay, is on 55th Street.

00:31:22.340 So this is exactly where we know everything.

00:31:24.440 Yeah, then the shooter, who was lying in wait alongside the building, fires at him.

00:31:30.540 Once at 55th Street, the shooter continues to walk onto 6th Avenue, where he gets on an electric city bike.

00:31:37.080 This part is wrong, by the way.

00:31:38.420 And then the shooter rides north on 36th Avenue towards Central Park.

00:31:43.000 And then he disappeared at 6.48 a.m. in Central Park.

00:31:47.960 Wow.

00:31:48.640 So just four minutes after the shooting, he was disappearing in Central Park.

00:31:52.340 So efficient.

00:31:53.180 So he shoots him, gets on a bike, rides up to Central Park.

00:31:56.520 No, he didn't get on a bike.

00:31:57.480 People got that wrong, and they might have been tracking the wrong person.

00:31:59.920 Oh, wow.

00:32:00.420 That's what the NYPD is saying right now.

00:32:01.800 So on foot, he went to Central Park.

00:32:05.600 Maybe, or maybe that's tracking the guy who was on the bike, who appears in one image, but appears to have not been the suspect.

00:32:10.740 Just another guy with a backpack like the suspects.

00:32:13.000 New piece of information that came out this morning is it found that the suspect, using a fake New Jersey driver's license, came into Manhattan on a Greyhound bus.

00:32:23.940 The suspect was wearing like a mask that didn't even look conspicuous.

00:32:28.280 It looked like what you would wear on a cold day in New York, and a hoodie that looked like what you would wear on a cold day in New York.

00:32:34.020 He was wearing a black hoodie and black pants with a gray backpack, and he approached Thompson from behind, and you can watch the video of this.

00:32:43.180 And he shot him once in the leg.

00:32:45.240 The gun then doesn't cycle.

00:32:47.480 It does not jam.

00:32:48.240 As some reports have said, it doesn't cycle.

00:32:49.600 He does what you do when a gun doesn't cycle, and the reason it didn't cycle is likely because he was using both a silencer and subsonic ammo, and it appears that the person had practiced enough to expect this to happen.

00:33:01.440 He taps the gun a few times, redoes—I don't know that much about fixing a gun like this.

00:33:08.140 Redoes, I think, like, recocks it, and then shoots again. 1.00

00:33:10.820 But what I do know is this caused live ammunition to come out of the gun.

00:33:16.660 So a lot of people say there was three casings at the scene, but there was also three live bullets found at the scene.

00:33:24.260 Now, this becomes interesting because on the casings slash live bullets was written three words.

00:33:34.080 The words were—and we'll get into the potential meaning of these in a second—deny, defend, depose.

00:33:41.320 Now, where this gets interesting is he only shot three times.

00:33:45.440 So he didn't know, he didn't expect the gun to jam like this, which meant some of the words would have been on the jammed bullets, which would have come out before the shell casings, which meant that he went into this planning to shoot three times to create this message.

00:34:02.980 Wow.

00:34:03.540 For some reason, the three shots had a significant to this guy.

00:34:10.540 Yeah, well, and that implies heavily, like you were saying, that he's not a hitman.

00:34:16.220 This is personal.

00:34:17.920 Unless—because it seems like a big ask.

00:34:20.340 If I'm hiring a hitman to also demand, in such a high-maintenance fashion, that you must also inscribe on the bullets my special message.

00:34:29.240 I mean, that would be an added fee of quite—

00:34:31.340 So experts suggest the shooter's actions indicate that he may be a practiced and seasoned-trained professional killer, possibly with law or military experience.

00:34:40.080 However, what is not believed, which is interesting, is that he was a professional hitman.

00:34:45.100 This does not appear to be a hitman to me.

00:34:48.120 Everything was possible with public information.

00:34:50.220 And the way that he waited all night at the location just doesn't seem very hitman-y to me.

00:34:56.340 Also, the three bullets, to me, seem symbolic of something.

00:35:00.420 Well, since there's something written on them—

00:35:01.980 Otherwise, I was assuming—I don't know where I heard this, but I heard somewhere that in standard police training, you were told to shoot chest-chest-head when you're trying to—

00:35:13.220 Maybe.

00:35:14.140 Okay. He also—I mean, a very non-hitman-y thing is he was videoed at a local Starbucks buying stuff beforehand.

00:35:20.520 Oh, what did he get? Egg bites?

00:35:22.720 He dropped a water bottle and cell phone that are believed to be dropped by the suspect, and they're checking for DNA.

00:35:28.140 Oh, no. That's so basic.

00:35:32.120 Oh, that's great.

00:35:34.180 I want to know what he ordered.

00:35:35.700 Let's talk about the three words, because I've read a number of potential things that they could have meant.

00:35:41.800 Okay.

00:35:42.060 To deny, this could refer to the denial of insurance claims or coverage by UnitedHealthcare.

00:35:47.340 This is—I asked AI what I thought.

00:35:49.240 Defend.

00:35:50.000 This term may relate to the company's efforts to defend its policies or practices, possibly against criticism or legal challenges.

00:35:56.000 And to pose in a legal context, this often means to give sworn testimony.

00:35:59.160 It could indicate that the shooter wanted Thomas for questioning or accountability.

00:36:02.760 I do not buy that.

00:36:05.260 But some people have claimed that this is a sign that it was somebody trying to keep him from giving damning evidence during the deposition that he was about to go to.

00:36:14.160 And it was, like, a sign by other people in the healthcare industry.

00:36:16.740 I highly doubt that this is the case.

00:36:18.980 Just given how hard it would be for a random wealthy person to hire a hitman, that actually doesn't really happen that much.

00:36:25.760 Even when you look at something like Epstein, I won't say that I might have inside information into that.

00:36:31.600 But if I did, one of the Middle Eastern ruling families, which would have access to hitman very easily, and one of the ones who was known to have used hitman in the past. 0.78

00:36:41.640 And so there wouldn't have been any trouble for them doing this.

00:36:45.560 But if you're, like, a random other insurance company CEO, would you really risk hiring a hitman?

00:36:50.440 Like, that's wildly risky for something that was a security violation.

00:36:57.120 Not even questioning, like, their record or anything like that.

00:37:00.720 And I note here that the payout from this lawsuit was going to be $5 million.

00:37:05.380 That's what was expected in the articles I read.

00:37:07.580 This guy's salary was $10 million a year.

00:37:10.100 Do you really think he's going to be assassinated over a $5 million lawsuit?

00:37:14.420 Now, the one that I have found to be most powerful in terms of the arguments as to what this was about is it's specifically written in reference to a book.

00:37:27.300 So the book is called Delay, Deny, Defend, which is about how corrupt the insurance industry is.

00:37:35.480 And it's the most famous book about how corrupt the insurance industry is.

00:37:38.520 Well, okay.

00:37:40.100 And about what the three D's mean, delay insurance companies intentionally slow down claim processing by requesting extensive documentation, creating technicalities, or declaring claims under investigation.

00:37:52.820 This tactic benefits insurers by allowing them to hold onto money longer for investment gains and exhausting claimants into giving up.

00:37:59.600 So for people who don't understand this, a company, on average, even if they're only extending the amount, the length that they have the money, like, by four months or three months, they get additional money from it because the money makes money for them over time.

00:38:11.700 So they have a reason just to delay.

00:38:13.560 It doesn't matter if you're suffering.

00:38:14.740 It doesn't matter if your relatives are dying.

00:38:16.780 Deny claims are often...

00:38:17.840 It's almost better if they're dead because they won't bother you anymore.

00:38:21.640 So wait them out.

00:38:22.820 If you can delay until they die, you don't have to pay it out.

00:38:26.020 Deny claims are often outright rejected, sometimes based on arbitrary or fabricated reasons hidden in the fine print.

00:38:31.820 Denials discourage claimants for continuing to pursue their rights and defend.

00:38:35.500 If delay and deny fail, insurers might aggressively defend against claims in court.

00:38:39.960 This tactic prolongs resolution and burdens claimants with legal costs and time, deterring many from pursuing valid claims.

00:38:48.060 It's just another way to delay and make it extra expensive to do so.

00:38:53.000 Yeah.

00:38:53.560 So what's interesting is the last word.

00:38:59.600 So if it was in reference to this, he's saying basically you delayed, you denied, I depose.

00:39:10.520 Ah.

00:39:12.580 If the standard is delay, deny, defend, what he's basically attempting to do with this is rewrite the last part of this.

00:39:24.600 You delayed, you denied, I depose with my bullets.

00:39:30.600 Well, goodness.

00:39:32.060 So if you're wondering what I was talking about earlier, he was big on DEI integration in his company.

00:39:41.620 He was a big supporter of LGBTQ plus communities, offering gender-affirming care to minors.

00:39:48.680 He created a workforce diversity group that implemented DEI-focused strategies for underrepresented groups like the DEI executive sponsorship program to give an unfair advantage to anyone in a protected class within the company.

00:40:04.780 They also did training seminars and stuff like that.

00:40:08.760 And the company gave $100 million to diversity initiatives instead of to your dying family members.

00:40:16.880 Not ideal.

00:40:17.640 Well, okay.

00:40:18.960 So now we're going to go into the argument that what he was doing was above and beyond and not normal for someone in his position, which I think is important.

00:40:29.340 If he was just acting like everyone else in the industry, I'd be like, look, this is an industry problem, right?

00:40:34.800 Not a, he specifically was an extra evil person problem.

00:40:39.620 So UnitedHealthcare had the highest claim rate among major health insurance companies with approximately 32% of claims being denied.

00:40:46.660 If you look at other insurers, Ansem is 23%.

00:40:49.960 Aetna is 20%.

00:40:51.700 CareSource is 20%.

00:40:53.580 Millennia is 19%.

00:40:55.080 We've had UnitedHealthcare mostly uninterrupted for the past seven plus years, and it's been awful.

00:41:02.940 We had one six-month period where just I was on Aetna, and I felt like I lived in a different world.

00:41:12.380 I remember that.

00:41:13.740 And keep in mind how bad this is.

00:41:16.420 Kaiser Permanente, the largest health insurance company, only denies 7%.

00:41:21.660 Oh, that's why people are so obsessed with Kaiser.

00:41:24.520 I've always wondered around about that.

00:41:26.120 We know a decent number of people, because I think Kaiser is a big insurer in California, who, despite leaving the state, choose to maintain residency in California, which means paying California state tax, which is insanely high, just to maintain their Kaiser insurance.

00:41:43.360 Because that is, it's just, it's financially worth it at that point, considering how much they cover.

00:41:48.360 You can't leave, basically.

00:41:49.820 It's the golden handcuffs of insurance.

00:41:51.480 Remember, this guy came in in 2021?

00:41:55.520 Okay.

00:41:56.400 When he came in in 2021, the company only denied post-acute care by 10.9%.

00:42:03.700 They were great when he started.

00:42:08.200 Yeah, it was 22.7%.

00:42:10.260 Now, obviously, it went up from there, but this is just one category.

00:42:13.220 Yeah, they were almost as good as Kaiser Permanente when he started.

00:42:16.720 Oh, my God.

00:42:17.620 In 2022, UnitedHealthcare denied prior authorized requests for post-acute care at rates that were three times higher than the denial rates for all other types of prior authorization requests.

00:42:31.180 Ooh.

00:42:33.340 This, it is, it is not at all an exaggeration to say this person's leadership and choices were killing, I think, if you're talking about 57 million people under care, probably dozens of people a day.

00:42:47.780 Honestly, it's hard for me to deny this, considering those numbers.

00:42:50.740 That is damning.

00:42:52.820 Yeah, that's really bad.

00:42:56.480 I thought you might start to change your mind as this episode goes on.

00:43:00.560 Yeah.

00:43:00.800 Because I went into this being like, no, the public shouldn't have a right to just shoot a rich guy because he's corrupt.

00:43:07.360 They shouldn't have a right to shoot a person because his company, you know, maybe dumped toxic waste somewhere, and then that ended up causing some issue in a community or something.

00:43:18.560 Like, maybe he didn't have any say in those particular policies.

00:43:21.780 Maybe he had no ability to know that was happening.

00:43:24.400 I know our employees have done unethical stuff that we've tried to stop in the past.

00:43:28.380 That is not the case here.

00:43:30.760 This guy specifically transformed the company in an unethical direction in a way that melts more profits by killing people.

00:43:38.200 And we'll go over just how much more profits he was able to rake in as well.

00:43:41.480 I have to say, when I first saw the news, I misread and thought that the headline was Brian Johnson.

00:43:48.480 Oh, that would be so sad.

00:43:49.760 Nice guy.

00:43:50.360 That's like driving over the Nazca lines. 0.97

00:43:52.460 Like, he's trying to live forever.

00:43:53.860 Okay?

00:43:54.020 He's doing a big human experiment here.

00:43:55.980 Don't.

00:43:56.620 Like, don't.

00:43:58.020 You know?

00:43:58.560 This is the beautiful thing.

00:43:59.820 Don't mess it up.

00:44:00.700 Like, let him try.

00:44:02.200 Don't drive over the Nazca lines. 1.00

00:44:04.400 Don't deface the Washington Monument.

00:44:07.200 You know, don't trample around giant sequoia trees that are, you know, hundreds and hundreds of years old.

00:44:12.840 And don't kill Brian Johnson, you know?

00:44:14.960 But this is a little different.

00:44:16.620 Okay.

00:44:17.000 So, he came in in 2021.

00:44:19.180 So, if you're looking at their gross profits, you can see they were growing slightly before this.

00:44:24.260 Okay?

00:44:24.700 So, 2020, $67 billion.

00:44:28.020 And then, 2021, $69.65 billion.

00:44:31.360 So, if you look at, like, before he came into power, it was growing from, like, $67 billion one year to $69.65 billion the next.

00:44:39.020 That sounds like normal management, right?

00:44:42.140 He comes in.

00:44:43.260 It goes from $69.65 billion to $79.62 billion.

00:44:49.120 And then the next year's $90.9 billion.

00:44:51.860 Oh.

00:44:53.740 Wow.

00:44:54.300 I mean, okay, are there any other things he did that could have boosted profits aside from denying?

00:45:04.120 I mean, the percentage of denied care does seem to go up.

00:45:08.860 No, no, no.

00:45:09.320 I'm trying to figure out how he literally justified this concern.

00:45:11.620 Well, okay.

00:45:13.140 In 2023, they grew 12.7% year over year.

00:45:20.180 If you're a CEO, you know that's not normal.

00:45:23.480 That is not.

00:45:24.220 That's, like, you're doing something amazing.

00:45:25.880 Not at a company like this.

00:45:27.140 Not at, like, a basic insurance company.

00:45:28.980 Yeah, not, not yet.

00:45:29.860 Yeah, maybe in a growth phase startup, for sure.

00:45:33.820 That is to be expected.

00:45:35.760 Not at, yeah, not at UnitedHealthcare.

00:45:37.980 I'm just going to drop in another random anecdote here.

00:45:41.820 Somebody's saying, even though I pay for a top-tier plan with UnitedHealthcare,

00:45:45.680 they sent my daughter a letter explaining that they denied a claim for a one-night stay at a hospital

00:45:50.940 that literally saved her life.

00:45:52.740 Also, my daughter was four years old at the time, and the letter was addressed to her.

00:45:56.800 Oh, okay.

00:45:59.580 Sorry, little girl.

00:46:01.240 Ah, little, little four-year-old.

00:46:03.100 It's a little shame that you didn't die.

00:46:04.540 We were hoping that that would, because you don't pay, you're under your father's plan.

00:46:08.380 It's demonstrably good for them if the four-year-old dies, because she's not paying for healthcare. 0.99

00:46:14.700 So, oh, I don't want to go into the insider trading allegations.

00:46:17.540 Well, no, I mean, keep in mind, like, parents pay their kids premiums.

00:46:21.560 It costs extra to have a kid on your plan.

00:46:24.500 They're being paid for.

00:46:25.780 Oh, do kids cost extra?

00:46:27.120 I thought that kids would have to be- 0.87

00:46:28.380 Oh, no, no, no, no, no, no, no, no, no, no, no, no.

00:46:30.600 You pay for your kids.

00:46:32.320 Kids cost extra.

00:46:33.740 All right, remember how I was talking about that AI that was making mistakes?

00:46:37.260 So the lawyer alleges that the UnitedHealthcare knew the algorithms had an extremely high error rate

00:46:42.720 and that it denied patients claims knowing only a tiny percentage, 0.2%, would file appeals

00:46:49.580 to try to overturn the insurer's decisions.

00:46:51.540 The complaint and allegations of the algorithm, dubbed NH-Predict, has a 90% error rate based

00:46:57.900 on a calculation on the percentage of payment denials reversed through internal appeals processes

00:47:02.660 or administrative law judge rulings.

00:47:05.380 So it had an error rate.

00:47:07.680 The AI that they were using to deny people of 90% false positive.

00:47:11.420 That makes so much sense.

00:47:12.440 I mean, consider that a lot of companies build off this business model, right?

00:47:15.740 They get you to sign up for the free trial and assume that you'll never check your subscriptions

00:47:19.880 and keep paying for them until you discover five years later that you've never used them

00:47:23.360 and you don't want to pay for them.

00:47:24.940 And I'll admit, when we get bills, you know, and we've been denied coverage for things,

00:47:32.600 I don't have the time to spend pushing back for months and getting on the phone and constantly

00:47:41.820 calling and we, there are people I know who do, but also their home, homekeepers of like

00:47:49.260 their, their homemakers, I should say, like their, their full job is to take care of the

00:47:53.320 family and the home and the family's finances.

00:47:54.820 If that, if I had that luxury, maybe I could, but like, it is, it is a job to do that.

00:48:01.140 And you, our family can't do that.

00:48:04.020 I imagine most families don't have a full-time person at home to manage the home's finances

00:48:10.660 and bills and to fight back on behalf of the family to do things like this.

00:48:15.020 Similarly, for example, with, you know, how there are these do not call lists that technically

00:48:19.280 you shouldn't be called by spammers.

00:48:21.100 You can actually pursue them, you know, get on the line, find out who they are and then

00:48:25.440 make legal claims against them and actually make a decent amount of money.

00:48:28.160 Like there's one stay-at-home dad who makes this his like side hustle.

00:48:31.860 He like finds them and he gets money from them breaking rules.

00:48:35.380 But again, that is a decent investment of time.

00:48:40.240 And unless you are only part-time employed or mostly at home caring for kids or family

00:48:46.360 or on your own, just handling a household, then you can't do it.

00:48:50.000 So that, I mean, it's a, I guess it, I should say it's a smart business model because you

00:48:54.660 can depend on most people not having the resources to fight back.

00:48:58.200 Well, hello there.

00:48:59.780 Looking to get some insurance?

00:49:01.400 No, my friend's mom already has insurance with your company.

00:49:04.080 Oh, great.

00:49:05.000 You're here to pay your bill.

00:49:06.400 No, no.

00:49:07.140 Oh, you want money from us.

00:49:09.060 Right through that door over there.

00:49:12.720 Hello.

00:49:14.480 Let me, let me just speak with our medical director first.

00:49:17.480 Yeah, yeah.

00:49:17.940 Okay.

00:49:18.660 Who was that?

00:49:19.780 That was the medical director.

00:49:21.420 But you didn't say who the patient was or what was wrong with him.

00:49:24.160 Right.

00:49:25.300 The medical director's job is just to say no.

00:49:28.200 Look, my friend's mom has been paying you people for years.

00:49:31.360 I didn't realize I was dealing with someone who had so much determination.

00:49:34.620 If you do a little more work, so all you have to do is navigate the American health care system.

00:49:39.460 Let's navigate the American health care system.

00:49:42.280 Just fill out these forms.

00:49:43.660 I just, I just think about the last place.

00:49:45.840 It's so much fun to be getting it done.

00:49:48.620 We go back to the doctor to get the thing for insurance.

00:49:51.740 Then go back to insurance.

00:49:55.060 We're filling out forms and we're scanning those forms.

00:49:58.000 And then we're emailing those forms to get them back to insurance.

00:50:01.160 But that's really evil to like make a company that promises services and then banks on the fact that your customers will not have the wherewithal to fight back when you mistreat them.

00:50:17.840 Especially when those services are lifesaving.

00:50:19.540 Yeah, that's true.

00:50:20.700 Yeah, it's one thing if you're giving them shoddy light fixtures or, you know, low thread count sheets that aren't as good as you promised or your clothing falls apart after three washes.

00:50:33.200 This is, you're right, people's lives.

00:50:36.160 That is horrible.

00:50:37.120 When you hear about the little kid going through chemotherapy, being denied nausea medication.

00:50:42.180 Yeah.

00:50:42.520 Yeah, that's like, are you just like, that's sick.

00:50:45.880 It's sick.

00:50:46.780 Yeah, it's sick in the extreme.

00:50:49.480 It's like, when I compare this guy to Nazis, it's like Himmler experiments and stuff like that. 0.78

00:50:57.060 It's like, really, and they would regularly deny pain medication.

00:51:01.020 If the pain lasted longer than it was supposed to, this was another thing they got in trouble for a lot, that they would just turn off anesthesia.

00:51:07.980 If the person felt pain longer than the like minimal supposed period, they were supposed to be feeling it.

00:51:13.340 And this is part of what makes me so mad when people are like, well, you should be handling this through the legal system.

00:51:18.880 You know, let the laws handle this.

00:51:21.240 They were breaking the laws.

00:51:22.740 UnitedHealthcare faced a Department of Labor lawsuit for denying claims based solely on diagnosis codes rather than patient need, violating the Employee Retirement Income Security Act, ERISA, but then went back to doing that after the case.

00:51:38.600 In fact, the U.S. Senate Subcommittee has scolded UnitedHealthcare for denying prior authorized requests for extensive post-acute care at three times the rate of other such requests.

00:51:50.640 I'm sorry, but the U.S.

00:51:52.060 Senate Subcommittee must be firm with you, or else.

00:51:56.880 Or else what?

00:51:59.000 Or else we will be very, very angry with you, and we will write you a letter telling you how angry we are. 1.00

00:52:13.540 Spriggs, how you write that, you fucking cocksucked? 1.00

00:52:17.680 You have any idea how fucking busy I am, huh, Spriggs? 1.00

00:52:21.040 Well, fuck you! 1.00

00:52:22.580 You graduations, Team America! 1.00

00:52:24.800 You have stopped nothing!

00:52:26.320 And keep in mind, this denial was being done by an AI which got it wrong 90% of the time, and the company knew that and kept using it.

00:52:38.020 So, no, it was horrifying what they were doing.

00:52:41.880 And this is what I'd ask people who want to push back on this a lot on me. 0.99

00:52:45.280 Now, do I sound like a fucking maniac? 0.99

00:52:47.980 Right? 0.99

00:52:49.260 I ask, because they're like, how dare you say that we should live in a society where if somebody has their family murdered by a legal mass murderer, that they should be able to go to a store, buy a gun, and assassinate that person, and then face the death penalty for that.

00:53:08.000 Like, what a horrifying society that would be to live in. 0.99

00:53:10.400 I'm like, bitch, that's the society the founding fathers created. 1.00

00:53:13.300 That's a society you're living in right now. 1.00

00:53:16.040 What you're forgetting is the last part of what you just said. 0.96

00:53:18.460 And then face the death penalty for it.

00:53:21.120 I'm not okay with this being legalized or something.

00:53:25.580 I'm just saying that I also am not saying that if you look at the, like, vast weight of this.

00:53:32.340 And this is where I ask somebody who really pushes me back.

00:53:35.240 How many additional people do you need to have very strong evidence a person is going to kill before?

00:53:43.240 Because clearly you're like, okay, Hitler is okay. 0.93

00:53:47.240 So where did you draw the line?

00:53:49.400 How many people do an individual's decisions need to lead to dying with them knowing that that is the outcome of their decisions before you're like, okay, this is where I react.

00:54:04.180 And some people never react.

00:54:05.100 Many people, you know, in Germany, they just went along with it to the end.

00:54:07.660 I know that that's not who my family is.

00:54:09.820 I know that when the South seceded from the Union over slavery, as I mentioned before, 15 of the 50 founding members of the Free State of Jones were direct relatives of mine.

00:54:18.160 Either siblings of an ancestor of mine or kids of siblings of an ancestor of mine. 1.00

00:54:22.620 So when the South is like, we're going to fight for slavery, my family was like, no, fuck you. 1.00

00:54:26.700 We'll kill you. 1.00

00:54:27.540 We're going to start a separate state and we'll kill all of you. 1.00

00:54:30.240 I don't care what you're fighting for. 1.00

00:54:31.700 I don't care that you say it's the law.

00:54:32.980 It's immoral.

00:54:33.760 You won't miss this, though.

00:54:36.760 I don't care what you're fighting for.

00:55:06.740 And some people just aren't built that way.

00:55:26.520 And I think that fundamentally the type of person who sees something like this and is like, no, what the shooter did was demonstrably wrong in every way it could conceivably be looked at.

00:55:38.340 These are the types of people who support Hitler because he rose to power legally. 0.83

00:55:42.200 He rose to power as an elected official.

00:55:44.240 These are the people who, when the camps start, they're like, well, it's all being done through legal means.

00:55:48.280 You know, there is nothing to them that is unethical other than what is said to them, what is said by the local authority.

00:55:57.600 That defines their ethical system.

00:56:00.100 And they're not able to say, oh.

00:56:01.500 And so I say to this person, everybody who wants to push back on me on this, I want one thing in your reply where you're pushing back to me.

00:56:08.860 I want you to define the difference between if you would have.

00:56:12.480 Now, you can say in your reply, I would have been not done anything about Hitler's right to power. 0.95

00:56:18.040 Not done anything about it at all.

00:56:19.500 But if you're the type of person who thinks that you would have tried to stop it or even stop it after it started, after the Holocaust camps were going, and every additional day meant more people were dying, what's the number of people for you that have to differentially die because this person stays alive? 0.51

00:56:36.220 What's the number?

00:56:37.180 Like, what's the difference in Hitler between this guy for you?

00:56:39.680 Well, I would also observe that if people begin to feel like they're living through societal collapse and that if a crime is committed against them or if they are wronged in some way, there's no recourse, vigilante justice is going to fill that void.

00:56:59.260 And we are starting to get to that point.

00:57:01.920 I think things may start to break soon where there's so much shoplifting.

00:57:08.460 There's so much petty crime that's not being prosecuted.

00:57:11.980 There is so much of this feeling.

00:57:15.820 And again, like when there were gunshots outside our house, nobody in our immediate vicinity who heard them called the police because why would police come?

00:57:25.880 We just, this kind of feeling.

00:57:27.540 This guy lives.

00:57:28.460 If he called the police, they'd come.

00:57:29.960 They'd come.

00:57:30.360 They'd come because he's rich.

00:57:32.860 Yeah.

00:57:33.100 Well, that's, but I think what I'm saying is if the average citizen feels like they have no legal recourse, if they were to fight a big company like this, they have no, no protection from the law.

00:57:45.160 If they're personally at risk, then when it comes to things like them feeling physically threatened, personally threatened, or seriously wronged by businesses, they will take justice into their own hands after they've reached a breaking point.

00:57:59.600 And maybe you're right.

00:58:00.600 Maybe we're reaching a tipping point in society, not just where people are realizing that there's kind of a moral calculus that makes the price worth it for them, but also reaching a point at which they feel like they genuinely have no other choice because what used to be a viable pathway to pursue justice through legal avenues is no longer there.

00:58:25.360 The justice system doesn't serve anyone but the extremely wealthy anymore, and for them, it's just a series of cheap codes.

00:58:33.240 The deep state bureaucrats.

00:58:35.920 I mean, if you look at the Trump sentencing, where, you know, everyone going on about how he's a felon, and as we've pointed out, he got a felon for not labeling his prostitute hush money payments as prostitute hush monies.

00:58:47.540 Like, like, in his filings, they're like, oh, this is, that's insane, that's insane that you would, you would give someone a felony for that, especially when you consider that we know that Kamala Harris' husband also was paying hush money payments to the nanny for having knocked her up, her housekeeper.

00:59:05.040 Do you think that he was labeling those correctly?

00:59:07.200 No.

00:59:07.440 So why is Trump a felon and Kamala Harris' husband not a felon?

00:59:10.980 It's because Trump is at odds with the deep state bureaucracy.

00:59:15.300 This isn't about the rich versus the poor.

00:59:18.080 This is about those against the oligarchs and the bureaucrats who, for example, I love that the Dems pretend like Elon Musk is some sort of, like, insider oligarch guy. 0.99

00:59:28.060 No, they fucking hate him. 0.96

00:59:29.800 If Kamala had won, his company would have been out of power. 0.99

00:59:32.520 They were denying, what's his spaceship company thing, over, like, well, if it comes down, it might hit a whale.

00:59:38.940 It might hit a shark. 0.59

00:59:39.700 Oh, the whale, the whale debacle.

00:59:42.140 Yeah. 0.98

00:59:42.480 Sex Malcolm. 0.99

00:59:43.780 SpaceX. 0.94

00:59:44.740 SpaceX, yeah, it might hit a whale, it might hit a shark.

00:59:46.700 It's like, well, you know that this is just a bureaucrat trying to take down another person.

00:59:53.940 They have, and you know that, okay, they're like, well, now Elon Musk is running the government, right?

00:59:59.200 Like, now he's running an apartment.

01:00:00.240 Yeah, but he created a sundown on this department he's running.

01:00:04.440 It self-dissolves before this administration is even over.

01:00:09.160 He's not trying to create inter-institutional power in the way that the deep state did, in the way that it protected these oligarchs time and time again.

01:00:18.100 There's a reason why Kamala rose, raised over three times as much as Trump in this last election cycle. 1.00

01:00:25.020 There's, what was it, over a billion dollars she wasted on her campaign? 1.00

01:00:27.980 It's pretty bad.

01:00:29.680 Yeah.

01:00:30.900 The reports did not look great.

01:00:33.440 But I do agree with you.

01:00:34.940 We do not condone this action. 0.99

01:00:37.320 This man was a monster and a very, very, very bad person. 0.58

01:00:41.340 Wait, which one are you referring to? 0.96

01:00:42.560 I'm just trying to, like, go through the ethics of a decision like this because I think that when I look at the other places this has been talked about, everyone's like, it's obviously unethical because it's against the law.

01:00:56.620 And I'm like, whoa.

01:00:58.180 Oh, yeah.

01:00:58.920 And no.

01:01:00.160 Laws are about maintaining social order and they work on average, but not always.

01:01:07.000 The same people are like, obviously what the insurance guy was doing was ethical because it was within the law.

01:01:13.400 And it's like, well, I mean, obviously sometimes laws are wrong, right?

01:01:17.440 Like, I don't think the insurance guy should have been allowed to run his company the way he was running it.

01:01:21.480 Yeah.

01:01:21.720 I think that that was horrifying that that was happening.

01:01:28.240 Like, do you think that people should just be going around doing vigilante justice?

01:01:32.920 No.

01:01:33.820 No.

01:01:34.460 But I do think that people should stop Hitler. 0.94

01:01:36.700 So it's like, where is the line, right?

01:01:38.580 Like, how bad does a person need to be before you need a Batman?

01:01:46.180 Yeah.

01:01:46.660 Did Batman ever pursue corrupt capitalists in the shows or movies?

01:01:54.880 I'm trying to think.

01:01:56.120 Oh, Superman certainly did with Lex Luthor.

01:01:59.660 Okay.

01:02:00.740 I actually want to see an episode.

01:02:02.880 I'll see if I can find an episode of anything.

01:02:04.860 If I can't find one, maybe somebody can talk about it in the comments.

01:02:07.300 Where the villain in a superhero show was doing everything legally.

01:02:11.000 Ah, yeah, that's the key.

01:02:12.700 How do they handle this when the person is murdering people legally?

01:02:16.680 Yeah.

01:02:18.160 Yeah.

01:02:19.260 I just, I just personally, I'm, I'm like, I keep going through because so many people in the comments and Reddit and stuff, they were sharing stories about how like they watched their life slowly die as her claims kept being denied.

01:02:30.660 And if I had seen that happen to somebody who I deeply cared about, right, and I had watched them slowly die over the course of years and every day I was sending in claims, what would I do?

01:02:43.640 You'd lose it.

01:02:44.160 Yeah.

01:02:44.720 You'd lose it.

01:02:45.840 I'd lose it.

01:02:46.600 I'd, I'd effing lose it if somebody, especially knowing that every year I was paying the person who was killing her, paying them on the off hope they might do the right thing this time, that they were taking money from her and from me while watching her die.

01:03:03.040 Just so this guy could go on more fancy vacations.

01:03:06.720 Now I want to talk about who maybe did this because a lot of people have pointed out, oh, I think it's the wife. 0.94

01:03:13.620 One, they were separated.

01:03:14.860 And two, she immediately made an announcement that had weird wording, like we were shattered to hear about.

01:03:22.100 And then.

01:03:22.840 Well, he's kids too, right?

01:03:24.100 I mean, theoretically the wife and the kids would be shattered.

01:03:27.960 Yeah.

01:03:28.340 That they lived in a separate house and everything like that.

01:03:31.260 And there have been rumors that maybe he had started a divorce proceeding.

01:03:34.240 Now that would have been an absolutely good reason to do something like this.

01:03:39.400 I don't mean like a good, like ethically good.

01:03:41.340 No, no, no, no.

01:03:41.760 But financially logical, because yeah, if you're getting a divorce, then I mean, presumably in all of their estate planning, normally stuff goes to the spouse first.

01:03:51.440 If you know.

01:03:52.800 Well, if you look at the age of the kids who look quite old, these are like, like late teen kids.

01:03:58.240 Okay.

01:03:58.660 To me, that implies that their marriage must have been at least around 10 years.

01:04:03.900 If you look at when he became CEO, that was in 2021.

01:04:07.040 If you look at when he made most of his money, that was pretty recently.

01:04:09.660 And they lived in Florida.

01:04:11.380 Now, I happen to be aware of how prenups work in Florida.

01:04:14.160 And they are extremely strict.

01:04:17.000 If she got a divorce and they had a prenup, she would literally leave the relationship with exactly the amount of money she brought into the relationship if she was not there. 1.00

01:04:26.120 Oh, yikes.

01:04:27.640 Yeah.

01:04:27.860 It would be very easy to plant the blame on this guy.

01:04:32.220 You know, she also said some stuff that was like intentionally like sort of hiding that she didn't quite understand how the industry worked when she apparently works at the doctor as well.

01:04:40.940 So she wouldn't have been that poor.

01:04:42.240 But, you know, she said some stuff that looks like she was hiding some things.

01:04:45.380 Because here's my thought on this.

01:04:48.140 I think if she was the one who did it, she probably would have done it herself in some way.

01:04:52.660 It's just too hard to hire hitmen safely.

01:04:56.400 Especially if you're a doctor, I feel like there are plenty of ways that you will know to slowly kill someone away in a way that they won't detect.

01:05:04.460 Yeah, the way that it's not easily detectable by morgues and stuff like that, heart attacks, something like that.

01:05:09.620 If you're a doctor, you have access to the drugs to do that.

01:05:12.460 Way easier than hiring a hitman, which is really easy to do. 0.87

01:05:16.160 Although I imagine a lot of people are too cowardly to do it themselves.

01:05:21.820 I'm just saying hiring a hitman is difficult and really dangerous to do.

01:05:27.480 Because you've got to – how do you even do that?

01:05:29.720 Like you have to know like a mob.

01:05:31.260 You have to live with the liability of knowing that they know, so they could always blackmail you.

01:05:35.580 And she would end up with a lot of money, so there would be an incentive to blackmail her. 0.70

01:05:39.500 So yeah, I guess if I were in her place and I wanted to kill my husband, I would find – especially considering her medical knowledge and that she could probably get access to medications. 1.00

01:05:47.860 Yeah, it would make sense for her to do it. 0.65

01:05:50.040 Plus, the words on the bullets, that just seems so odd.

01:05:54.740 I mean, no, that would have been a good way to cover it.

01:05:56.880 I mean, your husband's CEO of like an evil company.

01:05:59.260 Oh, so make it look like it was a disgruntled UnitedHealthcare system.

01:06:02.880 But here's the problem.

01:06:03.540 It also – this is what I think it was.

01:06:06.700 Okay.

01:06:09.080 I don't think it was a family member or someone aggrieved.

01:06:11.780 I think it was a genuine vigilance.

01:06:13.960 Here is why.

01:06:14.920 If it was just a family member or someone aggrieved, there are a ton of other insurance companies.

01:06:22.240 And while they may deny claims less amount of the time, if you take them all together, it's probably more, maybe even double, the amount that UnitedHealth denies claims.

01:06:33.300 So, why did it happen to be one of them?

01:06:36.500 Why did it happen to be a guy who apparently has never done a good thing in his life, recently defrauded a firefighter's pension, and ran a company that he had run super evilly in the time that he ran them in a way that there's like no moral argument to be made in his defense?

01:06:52.580 I almost get the impression somebody was looking for an excuse to be a vigilante and wanted to play out a superhero role. 0.97

01:06:59.520 Do you think I feel good when after some dude does some atrocious act that I have to kill them? 0.95

01:07:06.340 You think that gives me pleasure? 0.99

01:07:10.080 No.

01:07:11.960 Well, it does.

01:07:14.700 And I don't know – I often ask myself, why haven't there been more vigilante superhero-like characters in our society?

01:07:21.260 Why haven't there been –

01:07:22.380 Wasn't there that guy who literally dressed up in superhero costumes and –

01:07:28.380 No, but I mean, in an entire society that grew up reading superhero books and stuff like that, why haven't there been people who just like took a book and said,

01:07:38.120 I'm going to find the most evil person who's getting away with it in this country, and I'm going to do something about it?

01:07:44.480 Now, in superhero movies, it's easy.

01:07:46.120 Those are crime bosses and stuff like that.

01:07:47.640 In the real world, the FBI is going after crime bosses.

01:07:50.000 You know, the police are going after crime bosses.

01:07:52.540 You're not going to get after them in the same way that other organizations are.

01:07:55.980 So if you sat down and say, I'm going to be a vigilante crime fighter.

01:07:59.640 Yeah, who can't the government or Justice Department or FBI or CIA get?

01:08:04.060 Then you read some book, like the book this guy likely read, and you're like, oh, and that's the thing.

01:08:11.140 The book is what gets me.

01:08:12.380 Like, this seems maybe motivated from reading a book where the guy's like, I don't really value my life.

01:08:18.820 And how many people don't value their lives anymore?

01:08:21.580 The amount of –

01:08:22.020 I mean, yeah, that's pretty pervasive.

01:08:23.920 Yeah.

01:08:24.740 I might be able to incrementally make this better for dozens to hundreds of families that are watching their loved ones die unnecessarily every month.

01:08:32.880 Or even just provide them with some solace, some feeling of justice when – I'm sure you know that when anyone in your family is suffering from a terrible illness, you kind of feel like the world is just so deeply unfair.

01:08:46.600 And the existence of this guy adds insult to injury.

01:08:50.080 Maybe it's just one moment of, hey, at least there's that for all these people.

01:08:56.760 And, yeah, and one thing I'd say is I do feel very deeply for the family of everyone he denied health care to.

01:09:05.760 I'm sorry.

01:09:06.380 What I'm saying is, look, this guy had kids.

01:09:09.860 Sad that their dad died, but they're inheriting tens of millions of dollars that they stole from dying people.

01:09:15.980 Are they giving that money back?

01:09:17.900 Are they giving it to philanthropy like my family did?

01:09:20.920 No.

01:09:22.160 So, like, why am I supposed to have an additional amount of sympathy for them?

01:09:25.620 You could say, have they done something wrong?

01:09:27.580 Yes.

01:09:27.880 They've kept the blood diamonds.

01:09:30.740 These places are good anyway.

01:09:33.060 You and me, we're family.

01:09:35.640 Promise never.

01:09:36.980 They may choose to not do that in the future, in which my moral judgment of them will change in the future.

01:09:42.000 But as of now, my moral judgment of them is just neutral.

01:09:48.100 You know, people have their parents die for nonsense reasons all the time.

01:09:51.780 You can't be like, oh, because this person had kids.

01:09:54.880 If he was actively involved in raising the kids, fine.

01:09:58.080 But he didn't seem to be.

01:09:59.680 He was separated and living in a different house.

01:10:02.340 And so I have to say, why do his kids matter so much more than the dozens of other kids that were left parentless every year?

01:10:09.380 You know, like, explain, like, why?

01:10:13.700 And so this comment section is going to be a bloodbath.

01:10:16.200 I haven't seen any public figure really come down as harshly on one side of this as I have.

01:10:21.720 I know that this is an unpopular stance.

01:10:24.520 I know that a lot of people will hate me for this stance.

01:10:28.140 I know a lot of wealthy people will hate me for this stance.

01:10:29.960 But I think that we need to, like, grow a moral backbone as a society again.

01:10:36.200 And say either, if politicians want to bitch about this, which they have been bitching about people being happy about this, it's like, why didn't you make what he was doing illegal then?

01:10:45.180 Yeah. 0.99

01:10:46.080 That's your job, politicians, making this shit illegal. 1.00

01:10:50.380 We will be very, very angry with you. 1.00

01:10:53.820 And we will write you a letter telling you how angry we are.

01:10:56.640 Well, I mean, there's this huge conversation about the health care industry in the United States anyway.

01:11:04.740 I mean, the fact that we allow the existence of insurance companies that have caused all health care costs to balloon as much as they have is insane.

01:11:13.480 So, I mean, any policymaker who's morally negatively judging people who are celebrating this assassination should instead be focusing on fixing a very broken health care system in the United States.

01:11:27.500 Why does the average American, why on every single Reddit thread I saw about this, which judges, like, the average opinion of people, why were they all happy about this?

01:11:35.800 Why everywhere I go online where it's looking at average sentiment, in the Facebook reacts here, you had 25K laugh crying reacts to 2K sad crying reacts and 1.7K care reacts.

01:11:52.400 Oh, dear.

01:11:53.460 I mean, there's a bunch of elements to this, right?

01:11:55.500 There's the anti-capitalist element.

01:11:57.960 So, a lot of people are just excited because they hate all capitalists.

01:12:01.620 Anyone who works for or makes money from a large corporation is sitting here with these people.

01:12:06.700 I believe in decent capitalists.

01:12:07.940 Yeah, you're not that person.

01:12:09.180 I've been involved in other generations.

01:12:11.260 You can be a capitalist without killing people.

01:12:13.900 Yeah.

01:12:14.360 But, I mean, I think a lot of people are reacting just to that.

01:12:17.600 And then a lot of other people have experienced UnitedHealthcare, and they're, for obvious reasons, very happy about that.

01:12:25.960 It's just, it's messed up.

01:12:29.340 I'm glad it wasn't Brian Johnson.

01:12:30.700 Because that scared me for a moment.

01:12:33.860 Yeah, I think there are very few people in the world who I would be like, oh, but, like, I'm not sure.

01:12:43.120 Like, an example of another group, the people who okayed the, and hid how dangerous that they were giving to people was in this country.

01:12:50.900 Oh, the Sackler family.

01:12:53.440 They own the companies that did this.

01:12:56.200 Their companies obscured that it was dangerous.

01:12:58.920 They got tons of people addicted to it, and they basically single-handedly caused the addiction crisis, which is bigger than any addiction crisis our country's ever had.

01:13:05.900 You can see our episode on this.

01:13:07.160 I am justice.

01:13:10.320 I am vengeance.

01:13:12.920 Bruce Wayne?

01:13:14.180 What?

01:13:14.960 Oh, my God.

01:13:16.120 What?

01:13:16.780 Yeah, you're...

01:13:17.540 No.

01:13:18.240 You're Bruce Wayne.

01:13:19.300 How?

01:13:20.120 Why could you even say that?

01:13:22.200 You're goatee.

01:13:22.840 Maybe I'm just copying Bruce Wayne, because he's, like, the coolest guy in Gotham.

01:13:29.520 I mean, he's not that cool.

01:13:32.480 He's just rich.

01:13:33.640 Oh, this is the classic discrimination that handsome billionaires face every day. 1.00

01:13:41.040 He doesn't actually have a billion dollars, dumbass. 0.99

01:13:45.600 Most of his fortune is invested in Wayne Enterprises. 0.99

01:13:48.820 And does Wayne Enterprises happen to make dark armored vehicles?

01:13:53.740 Yeah, but mostly opioids.

01:13:56.720 Oh, my God.

01:13:58.020 Really?

01:13:58.800 And opioid addiction recovery pills.

01:14:01.960 Oh, my God. 1.00

01:14:03.040 You're so stupid. 1.00

01:14:04.280 You're a villain. 1.00

01:14:05.240 Ha! 0.99

01:14:06.280 Save your jokes for the jokester.

01:14:10.040 Yeah, they're famously...

01:14:11.880 There are other instances where I'm like...

01:14:15.120 But there's few.

01:14:16.380 There's few, few, few, few, few, few.

01:14:17.540 Well, and they've done it already.

01:14:19.880 This guy was still doing it.

01:14:21.460 Yeah, and that's also differently.

01:14:22.920 And the Sackler family also has been successfully prosecuted.

01:14:27.320 I mean, you could argue no one could put a price on the damage they've done.

01:14:31.560 But they have paid a lot of money and been quite dragged through the mud.

01:14:37.580 He was ramping up these efforts.

01:14:40.440 Oh, he was leaning into it, was he?

01:14:42.220 Oh, dear.

01:14:42.900 Okay.

01:14:43.800 Didn't realize that.

01:14:44.720 Well, no, I mean, if you look at the gross profits.

01:14:48.360 Oh, yeah.

01:14:49.080 Well, he certainly wasn't changing his stance and suddenly...

01:14:51.700 No, no, no.

01:14:51.940 He was increasing it is the point I was making.

01:14:54.260 Yeah, yes, yes.

01:14:55.460 And if this continued within his company, other companies in the industry would follow it.

01:14:59.780 Why not?

01:15:01.360 Yeah.

01:15:02.020 Yeah.

01:15:02.260 Just like when American Airlines decided to become antagonistic toward travel agencies.

01:15:06.220 And then everyone was like, oh, you can do that?

01:15:08.940 Yeah, let's throw them under the bus. 0.98

01:15:12.580 Yeah. 0.99

01:15:13.000 And then they both thought to reverse because they realized, oh, you can't actually be a dick to your customers in that way. 0.98

01:15:17.220 Oh, yeah. 0.98

01:15:17.560 Didn't work. 0.99

01:15:18.120 But for him, being a dick to a customer isn't a travel agency going out of business. 0.99

01:15:21.760 It's a person's mother dying or kid dying. 0.99

01:15:23.940 Exactly.

01:15:24.680 Yeah.

01:15:24.940 All right.

01:15:26.500 Did I change your mind on this, Simone, or are you?

01:15:31.660 I will never advise anyone to assassinate anyone or break any laws whatsoever.

01:15:38.620 But I 100% understand the mirth in response to this assassination.

01:15:51.140 And yeah, wow.

01:15:52.140 It just saddens me to think how many people have been hurt by these corporate policies.

01:16:03.000 That's really heartbreaking.

01:16:05.800 But I also just hate the healthcare system.

01:16:08.580 I mean, the problem is the United States healthcare system.

01:16:11.380 I wouldn't want to do healthcare in another country, right?

01:16:13.840 It's really good here.

01:16:15.160 The quality of care, the technology, the hospitals, it's great.

01:16:20.860 I love it, right?

01:16:21.900 But then I wish that we could just have that and get rid of the insurance industry as it exists now.

01:16:32.140 It's just like when you think it's very similar to the school system, right?

01:16:36.480 The amount of money that everyone pays when they just want to get healthcare.

01:16:40.480 But instead it goes toward bureaucracy that does nothing to do with anyone's benefit, no societal benefit whatsoever, similar to the schooling system, where a huge portion of it just goes to admin, benefiting absolutely no one.

01:16:52.880 It makes me very angry.

01:16:54.880 And I'm going to say this isn't just this one guy who's ruining everything.

01:17:02.620 It is an entire industry that is extremely corrupt that has to be dealt with.

01:17:06.920 His numbers were double that of the industry standard.

01:17:10.180 That doesn't change.

01:17:10.960 But yeah, but even the best of health insurance companies is still-

01:17:14.100 The best health insurance company is Kaiser Permanente, which has a 7% denial rate.

01:17:17.740 Right, and Kaiser Permanente is still playing its part in driving up healthcare costs because small doctor's offices have hired additional staff just to negotiate with them, just to lower their, you know, like to maximize their profits.

01:17:31.280 And like this, the whole game created by insurance companies in the health insurance world creates a huge amount of waste, that whole dance.

01:17:40.140 And that's what I hate.

01:17:41.500 Yeah, I agree with that.

01:17:42.800 I just, I just want to push back on this idea of this guy is no different from any other CEO.

01:17:46.720 He's not, no, obviously he, he in a pond full of piranhas is the uniquely pernicious and toothy and aggressive piranha who does so much more damage, but-

01:18:00.000 I want to, I want to actually flip this back on you in a way that might change the way you see this.

01:18:05.220 Okay.

01:18:06.320 He was increasing these practices.

01:18:08.580 We can see this from the data.

01:18:10.140 Every year he was increasing the practices.

01:18:12.020 Yeah.

01:18:12.640 You, me, and our kids are on UnitedHealthcare.

01:18:17.940 Yeah.

01:18:18.560 How would you feel if due to him increasing these practices every year, because he was getting no pushback from shareholders, one of our kids died?

01:18:28.140 Yeah, I mean-

01:18:29.020 We want to save the life of one of our kids.

01:18:31.360 Yeah.

01:18:32.240 Yeah, this could have, I mean, this happening, it's true.

01:18:35.720 And we've already done kind of dangerous things with our family's health because we can't afford-

01:18:41.720 Yeah, because they denied things.

01:18:43.100 When we had a rabia exposure and we had the state say our kids had had a rabia exposure and the state, the state, like CDC gave us a note, not a doctor, the CDC gave us a note.

01:18:55.760 The county, but yeah.

01:18:58.520 The county disease control, like the Pennsylvania disease control, sorry, maybe not CDC, Pennsylvania disease control saying, give this to your health insurance provider.

01:19:07.220 And they said no for rabies.

01:19:10.420 Do you know how horrible it is to die to rabies?

01:19:13.540 Like one of our kids may still die from a decision this guy made because rabies takes about a year to form.

01:19:20.520 Yeah.

01:19:21.000 I mean, that's just our kids' family.

01:19:23.620 Just a heads up.

01:19:24.500 And the reason why the rabies one is so important is because they're denying thing, right? 0.68

01:19:32.260 They're like, oh, well, maybe we can get a few more days out of this.

01:19:34.540 Maybe we can get a few weeks out of this.

01:19:36.220 Rabies needs to be taken within 24 hours.

01:19:38.300 Yeah.

01:19:39.260 We didn't-

01:19:40.080 So the denying thing prevented us from getting it.

01:19:42.480 Yeah.

01:19:44.580 It was not cool.

01:19:45.560 So consider that, Simone, when you think about this person's life. 0.99

01:19:50.860 And to all of you who, oh, you're such a monster, Malcolm. 0.97

01:19:54.260 What if it was your kids? 1.00

01:19:58.660 You don't care?

01:20:00.380 You don't care? 0.96

01:20:01.360 You'd say, yeah, I'd suck that up.

01:20:03.680 I'd let him take my money. 1.00

01:20:05.680 Fuck me while my kid died. 1.00

01:20:07.440 Sorry, I just have so little sympathy for these deontologists who are deontological in a way that obviously makes them the bad guys. 1.00

01:20:21.800 Yeah, there's definitely a place at which following the rules becomes an inconceivably evil act, for sure.

01:20:33.720 Inconceivably evil.

01:20:34.920 This guy did a 9-11 every year.

01:20:36.640 Well, and I think the key thing, too, is to understand that a lot of people think that as long as they follow the rules, they're not doing anything wrong.

01:20:48.040 And maybe this guy had convinced himself of that.

01:20:52.520 And so he literally thought, well, I'm not doing anything morally wrong.

01:20:56.260 I'm not doing anything illegal.

01:20:57.160 Also did security fraud defrauding his investors.

01:20:59.380 He wasn't even interested in fiduciary duty.

01:21:02.060 Well, yeah, yeah.

01:21:03.460 I know, but I mean, he thought he was a bad person, but I believe that he was a type of person who, you know, if you look at like capitalists, there's like different types of capitalist people.

01:21:14.240 You know, my family might have intergenerational wealth, but it's because often they remade the money every generation.

01:21:20.700 Like, okay, so for example, people might hear, your dad, he must have been super wealthy and inherited a bunch of money in the company from his dad.

01:21:29.140 Do you know how he ended up running the company?

01:21:31.640 So his granddad, who was the previous CEO of the company, ended up taking a million dollar loan out without my father's permission under my father's name.

01:21:43.580 And this is when my father was earning a fairly median salary.

01:21:48.520 From what I remember at the time, he had no significant savings.

01:21:51.900 He hadn't inherited any money and he was earning a salary of $60,000 a year.

01:21:56.040 Yeah.

01:21:56.320 He, yeah, my father ended up making tons of money because he grew the company a ton, but he would have ended his life in destitution if he hadn't done that.

01:22:06.540 Yeah.

01:22:07.200 It's just very much like ruthless care.

01:22:09.420 Like, sure, son, you can take over the family company.

01:22:12.820 I'll just go to a banker and give the debt to ensure that you own a majority of shares now without your permission because he knew the banker and it was an old Texas family.

01:22:22.260 Oh, that's okay.

01:22:23.080 I was wondering how that was even done.

01:22:25.120 They were friends.

01:22:26.580 They were in some club together.

01:22:27.880 And so he just went to the banker and he goes, oh, you don't need to ask my grandson.

01:22:31.920 Just put it on his account right here.

01:22:34.140 Just put it on a tab.

01:22:36.860 Just put it on a tab.

01:22:38.460 Not a problem.

01:22:39.980 Well, yeah, I just had figured that perhaps he'd given your dad a pile of papers to sign and your dad had just trusting him signed them.

01:22:47.260 No, no, no, no, no, no, no.

01:22:48.640 Wasn't even that?

01:22:49.460 He started in Dallas in the, you know, 1970s.

01:22:51.980 Lord almighty.

01:22:52.980 Because isn't that, that's fraud.

01:22:56.660 That's kind of super.

01:22:57.580 It is fraud.

01:22:58.380 But it's also the way the old boys club worked back then.

01:23:01.660 Yeah.

01:23:01.980 And also like, what are you going to do?

01:23:03.500 You know, see your dad.

01:23:04.560 Do you want to really make Christmases that awkward?

01:23:07.580 Granddad, by the way.

01:23:08.440 The dad actually disproved of this and hated the granddad.

01:23:11.700 But, oh, that's, that's nice.

01:23:14.380 The dad was really nice.

01:23:15.440 The dad was the one who, my dad's dad was the one who became a congressman. 1.00

01:23:18.660 His dad was the knight of a dick. 0.99

01:23:20.380 The one who took out the dead in my dad's name. 1.00

01:23:22.660 Barrel.

01:23:24.080 Gosh.

01:23:25.040 Well, because he gave all his money.

01:23:26.500 The reason he got in a fight with his son is because he also, every generation they do this, they gave all their money to charity and his son was really mad about it.

01:23:33.840 So he increased all of his shares in the company instead of to the family, to the local Baptist church.

01:23:40.200 That's what the falling out was about.

01:23:41.840 And that's why he didn't give my dad his shares in the company because his shares in the company were bequeathed to the Baptist church.

01:23:47.620 He took out debt to give those shares to my dad.

01:23:50.260 So you can think of it as horrible, but also kind of ethical in a way, like no intergenerational wealth transfer. 0.99

01:23:55.460 You're going to get fucked. 0.99

01:23:56.780 Every penny I've made, I'm giving to a charity I care about. 0.99

01:24:00.640 But then my dad kind of did the same thing to me.

01:24:02.920 So whatever, I don't mind it.

01:24:04.840 I'm glad that I don't have any of that weight on my shoulders, you know?

01:24:08.300 Yeah, I don't think parents do favors to their children by giving them huge inheritances.

01:24:16.500 Yeah.

01:24:17.080 I do think that surprising them with amounts is good if you have the luxury of doing that.

01:24:24.220 I don't think that's going to be possible for us.

01:24:26.300 Also, because I want to be super transparent with our kids and money.

01:24:29.000 But giving them some token amount that might help with the down payment on a house, for example, is huge, especially these days, if you can do that.

01:24:38.540 But something where you get like an allowance, you know, like these trust fund kids that have like monthly allowances that really prevent them from getting jobs, prevent them from growing up.

01:24:46.800 That's bad.

01:24:47.360 So basically like something that might cover catastrophic medical care or down payment on a house, good, anything beyond that.

01:24:55.300 Something that like props up a lifestyle.

01:24:57.520 Anyway, love you, Simone.

01:24:58.960 I've had a great time talking to you.

01:25:00.200 What are we doing for dinner tonight?

01:25:02.280 Coconut rice.

01:25:03.920 Hopefully better this time because I did both full fat coconut milk and only coconut milk, no water, plus more salt, plus lemon zest.

01:25:12.660 So we'll see if that is better.

01:25:14.280 Very interesting.

01:25:14.720 Coconut and lemon.

01:25:15.640 That's an interesting flavor combo.

01:25:17.340 It was supposed to be lime, but we don't have lime, so.

01:25:20.540 No, I'm just interested.

01:25:21.400 Put the lime in the coconut.

01:25:22.500 You know what I mean?

01:25:23.480 Work all night on a drink of rum.

01:25:28.520 Come, Mr. Dallyman, dally me banana.

01:25:32.460 They like gum and me one go home.

01:25:36.280 We'll see.

01:25:38.100 And for the meat.

01:25:39.820 For the meat.

01:25:40.360 What are we doing?

01:25:41.440 Just another dang dang sauce?

01:25:43.280 Same as last night, but with, well.

01:25:46.640 I could have picked it up at Walmart, the oyster sauce.

01:25:50.960 Oh, whoopsies.

01:25:52.960 Sorry.

01:25:53.820 All right.

01:25:54.300 Well, we'll just do dang dang and a little bit of that.

01:25:56.480 Yeah, if you could get out the sauces you want to use.

01:25:59.060 All right, all right.

01:25:59.960 I love you to death, Simone.

01:26:01.100 You are a great wife.

01:26:02.100 I love you too, Malcolm.

01:26:03.420 You are perfect.

01:26:08.180 Please, please, please.

01:26:09.500 Take the cheese, Josie.

01:26:10.960 Yeah.

01:26:13.420 I got, I got to get the cheese.

01:26:16.140 My cheese, I want the cheese.

01:26:17.740 No.

01:26:18.020 I didn't want the cheese.

01:26:21.180 There's more.

01:26:22.700 Titan's cheese.

01:26:23.960 It's Titan's cheese?

01:26:25.840 I don't want the cheese.

01:26:26.460 Titan, do you want more flour-shaped cheese?

01:26:28.960 Yeah.

01:26:29.960 Here you go.

01:26:30.840 Oh, that's so nice of you, Torsten.

01:26:33.120 Did you guys shape the cheese?

01:26:34.520 Yeah.

01:26:36.160 What shape is the cheese, Titan?

01:26:38.440 It's a dinosaur nugget.

01:26:40.320 That is a dinosaur nugget.

01:26:41.640 Yeah, it's mine.

01:26:42.900 It's my dinosaur nugget.

01:26:44.300 It's my dinosaur nugget.

01:26:47.980 This is my dinosaur nugget.

01:26:50.080 Titan, you have one in your plate already.

01:26:51.660 Why don't you take a bite?

01:26:52.580 My dinosaur nugget.

01:26:53.300 Octavian, what are you doing?

01:26:55.760 I died.

01:26:56.740 You died?

01:26:57.520 Me.

01:26:58.840 Can you also eat your dinner?

01:27:01.020 No, no, no, no, no.

01:27:06.280 Titan, you like your dinosaur nugget?

01:27:07.860 Something stopped me.

01:27:08.400 Something stopped you?

01:27:09.700 No, something shot me. 0.96

01:27:11.680 Oh, something shot you.

01:27:12.940 Well, you know how to get your hearts back, because you have to eat meatballs.

01:27:17.440 Why don't you do that?

01:27:18.060 Yeah, so I'm going to get strong, and I'm going to eat that.

01:27:20.560 Good idea.

01:27:21.260 I'm strong.

01:27:22.100 Good idea.

Based Camp - December 06, 2024

Mass-Murdering CEO Ended： American Enters Her Villain Era

Episode Stats

Summary

Transcript