In the wake of the murder of the CEO of UnitedHealthcare, a number of theories have surfaced about who killed him, why he was killed, and who could be responsible for it. Simone and John try to make sense of it all.
00:00:00.120Smithers 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.
00:00:07.720But the old axiom was misleading. Taking the candy proved difficult.
00:00:17.820Hello, Simone! Today we are going to be going over the murder of the CEO of UnitedHealthcare.
00:00:25.020We 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.
00:00:37.100Some evidence points to the wife. I strongly disagree with this evidence, and we'll get to why, and how the murder was pulled off.
00:00:49.620I 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.
00:02:12.840Slight 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.
00:02:23.000The 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.
00:02:37.520So you basically think he's causing a chilling effect that will make other insurance company leaders nervous.
00:02:44.940And 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.
00:02:55.000This increase happened under his reign.
00:03:38.840This, 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.
00:03:52.560Honestly, it's hard for me to deny this, considering those numbers.
00:04:09.100He'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.
00:04:16.740How 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!
00:04:28.460Here 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.
00:04:46.340So two people who he killed, their families brought a lawsuit against him.
00:04:49.440Now, keep in mind, he also received a $10 million salary and spent millions on lobbying.
00:04:55.840And 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.
00:05:15.500I have to take time away from my patients to inform you that you are idiots.
00:05:20.380This 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.
00:05:29.620Already, 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.
00:05:57.020So I will, at the end of this, go over lots of individual instances here.
00:06:01.040But I'll just go over one anecdote here.
00:06:03.460And 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.
00:06:16.780She has 60% blockage in her right leg.
00:06:19.380It has a lot of pain and now has to walk with a cane or a walk around my household, even short distances.
00:06:24.700Her cardiologist requested a prior authorization for it, but UHC denied it because, quote, she hasn't tried 12 weeks of PT, end quote.
00:06:36.240Basically, they're saying, yeah, she'd probably die within that amount of time, but whatever.
00:06:41.000You know, like, and here are what I'd say.
00:06:45.460So 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.
00:06:58.960And 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?
00:07:08.180And they, every day, were filing with this company.
00:07:11.040Every day, they were spending hours on phone calls with this company.
00:07:15.440They knew it was unjust, but they just didn't have the money to fight back.
00:07:18.780This company continued to take money from their family every single year.
00:07:22.740And you go to that individual, and you're like, I'm sorry, other families have to experience this as well.
00:07:27.420And then the person says, well, then what am I supposed to do?
00:07:30.680And you say, well, you should let the legal system handle it.
00:08:55.140They say we, uh, I'll skip this trial thingy and go home.
00:08:58.600Okay, 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.
00:09:19.920Okay, so, and I'll go, no, at some point you need to ask, like, okay, Nazis are taking over your country.
00:09:28.460Like, 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.
00:09:37.460I used to think God put me in for a purpose.
00:09:41.520You know, lately I'm just thinking I'm a fucking maniac.
00:09:43.020Do you think I feel good when, after some dude does some atrocious act, that I have to kill them?
00:09:50.740When 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?
00:11:02.140I can see that I will have to teach you how to be villain.
00:11:06.920Okay, so I can go into the specifics of this case.
00:11:09.600The Hollywood Firefighter's Pension Fund fired a lawsuit against Thompson, alleging he had sold over 15 million of UnitedHealth stock,
00:11:15.820despite 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.
00:11:53.900Actually, for the second time in one month, the U.S. Justice Department sued UnitedHealthcare Group for wrongfully obtaining a billion dollars in Medicare.
00:12:10.900I know Doge is talking, and I guess that Gramaswamy and Musk are talking about unauthorized payments through Medicare and Medicaid.
00:12:20.380Maybe this is what they're referring to as well.
00:12:23.640Stuff that's going to both medical providers but also insurance companies.
00:12:26.760Basically, they were telling patients that their illnesses weren't severe enough to be worthy of stuff.
00:12:31.520But 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.
00:13:45.400Because 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.
00:13:56.840As 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.
00:14:05.220But they were really, really big philanthropists with all this stuff.
00:14:09.140And they were never involved in a major scandal.
00:14:22.780The 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.
00:14:30.720You can ask why didn't they pay out to his family?
00:14:33.080Because he had stopped paying premiums.
00:14:35.580And the court decided in their favor and said, yeah, don't pay to somebody who stopped paying premiums.
00:14:44.880And then they're like, well, certainly, you know, your dad wouldn't have been a generally good guy outside of this.
00:14:49.420Well, 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.
00:15:02.580There 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.
00:15:11.420He 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.
00:15:20.800And a big yacht thing started sinking, and it turned out it was a party boat.
00:15:24.960And 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.
00:15:34.720He could easily have died trying to save them.
00:15:36.800It's insane that he did this. It's amazing.
00:15:39.260And to clarify, this wasn't, like, something he did before he was a rich person running an insurance company.
00:15:45.140This is something he did while he was in the position of CEO of the insurance company.
00:15:52.840It's not like you can't be a good person and run a company in an industry adjacent to this.
00:15:59.080By 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?
00:16:09.040They 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.
00:16:20.160And the other was – and they were the first people, I think, to ever do that, to, like, give stock in exchange for buying stuff.
00:16:26.540And then the other thing that they did was the primary sales tactic that they use, which is that life insurance is non-taxed.
00:16:34.400And 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.
00:16:45.260And 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.
00:17:40.340We use UnitedHealthcare as our insurance provider.
00:17:44.520And I can tell from just my customer perspective that there's a lot they can do better just from an ops standpoint.
00:17:51.820And that's not what he was doing to maximize profit.
00:17:54.620Yeah, well, but hey, it wasn't that he wasn't focused on signaling as a company what a good guy they were.
00:17:59.640While 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.
00:18:32.580Like 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.
00:18:43.040And 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.
00:18:53.300And people on these lefty platforms are like, wait, why are our leaders hiding anything that presents any sort of a moral argument around this?
00:19:02.580And I think that they're like, I hope some of them wake up and they're like, wait, wait, wait, wait, wait, wait, wait.
00:20:07.280Because 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.
00:20:15.340Specifically, his strategy was just to deny more customers and to make it much, much harder to get things paid for.
00:20:21.580But I want to hear your thoughts, because you went into this telling me, Malcolm, do not make an argument that this is morally acceptable.
00:20:27.300Malcolm, do not make an argument that this is morally acceptable.
00:20:39.280They say we, uh, I'll skip this trial thingy and go home.
00:20:42.660Listen, I hear what you're saying, but I'm also concerned about legal liability.
00:20:46.460And 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.
00:20:58.680So 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.
00:21:20.380What 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.
00:21:31.420Yeah, I, I would say that it is illegal to do, right?
00:21:35.120Like 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.
00:21:42.980And people can be like, wait, how could something be both something where you're like, well, there is an ethical question at hand here.
00:21:50.160And you're okay with the guy who did this facing the death penalty.
00:21:52.560If 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.
00:22:02.220Wait, and that's, yeah, that is, that is how breaking the law works.
00:22:05.360And that's how most people should be thinking about teaching their kids about laws is that laws are price tags.
00:22:45.040Well, and that, yeah, that makes, that makes terminally ill people very dangerous when it comes to assassinations because their price tag is very different.
00:23:26.480This 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.
00:23:37.700Even if their act of killing someone or multiple people, saves more people.
00:23:43.800They're just, most people are not willing to, I don't know what percentage it is.
00:23:48.500I think the point is not being willing to, unless the situation is absolutely demonstrable.
00:23:53.340Because we as individuals do not have good vision into these things.
00:23:56.960Well, that's why it's the trolley problem, though.
00:23:58.920That is supposed to be in demonstrable situations where you see the trolley and you know.
00:24:02.960The point I'm making here, and the reason why I would generally be against something like this, is because you don't know.
00:24:09.940You don't have insight into, is this person really responsible for it?
00:25:57.180And I was like, well, like my logic, like thinking through this.
00:26:00.400And then the individual was like, but your logic, you can't make like a logical argument about what's right and wrong.
00:26:05.700At the end of the day, you're just creating like one overriding deontological rule when you do that.
00:26:09.960You know, you're still using logic to create an arbitrary judgment.
00:26:13.660And I'm like, well, here's the problem with that argument.
00:26:16.380If 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.
00:26:37.720Fun 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.
00:26:52.080Expect to hear more about this guy in the near future.
00:26:54.700But a great example of how you can be a good and efficient CEO was out killing children.
00:26:59.500But 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.
00:27:13.740People who are paying you, people who are innocent, that that's a bad thing, right?
00:27:20.480Like that's the thing that you would want stopped in some way.
00:27:24.340And you might be right that this does nothing to stop it and the cycle just continues.
00:27:27.960But I guess what I'm saying is like, I get it.
00:27:32.560And 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.
00:27:42.340In 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.
00:27:53.020But 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.
00:28:11.440And by the way, this is what somebody says who works in this industry.
00:28:14.960They go, I've dealt with UnitedHealthcare for years, doing peer-to-peer reviews, trying to overturn their systemic refusal to authorize covered benefits.
00:28:22.940This Brian Thompson was a criminal who led a criminal enterprise.
00:28:26.200This company is responsible for untold harm and death to their customers.
00:28:42.780And 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.
00:28:57.140I think UnitedHealthcare will long-term suffer from the unsustainably abusive way he was treating his customers.
00:29:27.580Brian Thompson, the 50-year-old CEO of UnitedHealthcare, was fatally shot and attacked on Wednesday, December 4, 2024, in midtown Manhattan, New York City.
00:29:35.200It was previously reported that the suspect used a city bike, which can be tracked.
00:29:39.960But the NYPD has clarified the incident did not involve that type of bike.
00:29:44.320The suspect had waited at the nearby corner all night until the executive walked by, according to witnesses.
00:29:50.260People knew he was going to be there because he was going to a shareholders meeting.
00:30:09.700That is not something I think a professional assassin would have done.
00:30:12.540He was using public information to find the guy.
00:30:14.960It was public information that he was going to speak at this shareholder meeting.
00:30:18.320And we'll get into more in just a second.
00:30:20.600Witnesses told reporters they heard three shots as he was parking a car in the area.
00:30:25.780The 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.
00:30:33.840Just to go over a map here that I'll put on screen.
00:30:37.800This 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.
00:30:47.800Now, this is actually right near where we used to do our morning walks and everything in Manhattan, Simone.
00:30:53.240So you would have seen this if you were on a morning walk.
00:30:55.020You remember what the streets are like at around 6.44 a.m.
00:32:05.600Maybe, 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.
00:32:10.740Just another guy with a backpack like the suspects.
00:32:13.000New 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.
00:32:23.940The suspect was wearing like a mask that didn't even look conspicuous.
00:32:28.280It 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.
00:32:34.020He 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.
00:32:48.240As some reports have said, it doesn't cycle.
00:32:49.600He 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.
00:33:01.440He taps the gun a few times, redoes—I don't know that much about fixing a gun like this.
00:33:08.140Redoes, I think, like, recocks it, and then shoots again.
00:33:10.820But what I do know is this caused live ammunition to come out of the gun.
00:33:16.660So a lot of people say there was three casings at the scene, but there was also three live bullets found at the scene.
00:33:24.260Now, this becomes interesting because on the casings slash live bullets was written three words.
00:33:34.080The words were—and we'll get into the potential meaning of these in a second—deny, defend, depose.
00:33:41.320Now, where this gets interesting is he only shot three times.
00:33:45.440So 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.
00:34:17.920Unless—because it seems like a big ask.
00:34:20.340If 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.
00:34:29.240I mean, that would be an added fee of quite—
00:34:31.340So experts suggest the shooter's actions indicate that he may be a practiced and seasoned-trained professional killer, possibly with law or military experience.
00:34:40.080However, what is not believed, which is interesting, is that he was a professional hitman.
00:34:45.100This does not appear to be a hitman to me.
00:34:48.120Everything was possible with public information.
00:34:50.220And the way that he waited all night at the location just doesn't seem very hitman-y to me.
00:34:56.340Also, the three bullets, to me, seem symbolic of something.
00:35:00.420Well, since there's something written on them—
00:35:01.980Otherwise, 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—
00:36:05.260But 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.
00:36:14.160And it was, like, a sign by other people in the healthcare industry.
00:36:18.980Just given how hard it would be for a random wealthy person to hire a hitman, that actually doesn't really happen that much.
00:36:25.760Even when you look at something like Epstein, I won't say that I might have inside information into that.
00:36:31.600But 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.
00:36:41.640And so there wouldn't have been any trouble for them doing this.
00:36:45.560But if you're, like, a random other insurance company CEO, would you really risk hiring a hitman?
00:36:50.440Like, that's wildly risky for something that was a security violation.
00:36:57.120Not even questioning, like, their record or anything like that.
00:37:00.720And I note here that the payout from this lawsuit was going to be $5 million.
00:37:05.380That's what was expected in the articles I read.
00:37:07.580This guy's salary was $10 million a year.
00:37:10.100Do you really think he's going to be assassinated over a $5 million lawsuit?
00:37:14.420Now, 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.
00:37:27.300So the book is called Delay, Deny, Defend, which is about how corrupt the insurance industry is.
00:37:35.480And it's the most famous book about how corrupt the insurance industry is.
00:37:40.100And 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.
00:37:52.820This tactic benefits insurers by allowing them to hold onto money longer for investment gains and exhausting claimants into giving up.
00:37:59.600So 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.
00:39:32.060So if you're wondering what I was talking about earlier, he was big on DEI integration in his company.
00:39:41.620He was a big supporter of LGBTQ plus communities, offering gender-affirming care to minors.
00:39:48.680He 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.
00:40:04.780They also did training seminars and stuff like that.
00:40:08.760And the company gave $100 million to diversity initiatives instead of to your dying family members.
00:40:18.960So 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.
00:40:29.340If he was just acting like everyone else in the industry, I'd be like, look, this is an industry problem, right?
00:40:34.800Not a, he specifically was an extra evil person problem.
00:40:39.620So UnitedHealthcare had the highest claim rate among major health insurance companies with approximately 32% of claims being denied.
00:40:46.660If you look at other insurers, Ansem is 23%.
00:41:16.420Kaiser Permanente, the largest health insurance company, only denies 7%.
00:41:21.660Oh, that's why people are so obsessed with Kaiser.
00:41:24.520I've always wondered around about that.
00:41:26.120We 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.
00:41:43.360Because that is, it's just, it's financially worth it at that point, considering how much they cover.
00:42:17.620In 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.
00:42:33.340This, 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.
00:42:47.780Honestly, it's hard for me to deny this, considering those numbers.
00:43:00.800Because I went into this being like, no, the public shouldn't have a right to just shoot a rich guy because he's corrupt.
00:43:07.360They 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.
00:43:18.560Like, maybe he didn't have any say in those particular policies.
00:43:21.780Maybe he had no ability to know that was happening.
00:43:24.400I know our employees have done unethical stuff that we've tried to stop in the past.
00:49:55.060We're filling out forms and we're scanning those forms.
00:49:58.000And then we're emailing those forms to get them back to insurance.
00:50:01.160But 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.
00:50:17.840Especially when those services are lifesaving.
00:50:20.700Yeah, 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.
00:50:33.200This is, you're right, people's lives.
00:50:49.480It's like, when I compare this guy to Nazis, it's like Himmler experiments and stuff like that.
00:50:57.060It's like, really, and they would regularly deny pain medication.
00:51:01.020If 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.
00:51:07.980If the person felt pain longer than the like minimal supposed period, they were supposed to be feeling it.
00:51:13.340And this is part of what makes me so mad when people are like, well, you should be handling this through the legal system.
00:51:22.740UnitedHealthcare 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.
00:51:38.600In 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.
00:52:49.260I 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.
00:53:08.000Like, what a horrifying society that would be to live in.
00:53:10.400I'm like, bitch, that's the society the founding fathers created.
00:53:13.300That's a society you're living in right now.
00:53:16.040What you're forgetting is the last part of what you just said.
00:53:18.460And then face the death penalty for it.
00:53:21.120I'm not okay with this being legalized or something.
00:53:25.580I'm just saying that I also am not saying that if you look at the, like, vast weight of this.
00:53:32.340And this is where I ask somebody who really pushes me back.
00:53:35.240How many additional people do you need to have very strong evidence a person is going to kill before?
00:53:43.240Because clearly you're like, okay, Hitler is okay.
00:53:49.400How 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.
00:54:05.100Many people, you know, in Germany, they just went along with it to the end.
00:54:07.660I know that that's not who my family is.
00:54:09.820I 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.
00:54:18.160Either siblings of an ancestor of mine or kids of siblings of an ancestor of mine.
00:54:22.620So when the South is like, we're going to fight for slavery, my family was like, no, fuck you.
00:54:36.760I don't care what you're fighting for.
00:55:06.740And some people just aren't built that way.
00:55:26.520And 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.
00:55:38.340These are the types of people who support Hitler because he rose to power legally.
00:55:42.200He rose to power as an elected official.
00:55:44.240These are the people who, when the camps start, they're like, well, it's all being done through legal means.
00:55:48.280You know, there is nothing to them that is unethical other than what is said to them, what is said by the local authority.
00:56:01.500And 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.
00:56:08.860I want you to define the difference between if you would have.
00:56:12.480Now, you can say in your reply, I would have been not done anything about Hitler's right to power.
00:56:19.500But 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?
00:56:37.180Like, what's the difference in Hitler between this guy for you?
00:56:39.680Well, 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.
00:56:59.260And we are starting to get to that point.
00:57:01.920I think things may start to break soon where there's so much shoplifting.
00:57:08.460There's so much petty crime that's not being prosecuted.
00:57:15.820And 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?
00:57:33.100Well, 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.
00:57:45.160If 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.
00:58:00.600Maybe 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.
00:58:25.360The justice system doesn't serve anyone but the extremely wealthy anymore, and for them, it's just a series of cheap codes.
00:58:35.920I 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.
00:58:47.540Like, 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.
00:59:05.040Do you think that he was labeling those correctly?
00:59:07.440So why is Trump a felon and Kamala Harris' husband not a felon?
00:59:10.980It's because Trump is at odds with the deep state bureaucracy.
00:59:15.300This isn't about the rich versus the poor.
00:59:18.080This 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.
01:00:00.240Yeah, but he created a sundown on this department he's running.
01:00:04.440It self-dissolves before this administration is even over.
01:00:09.160He'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.
01:00:18.100There's a reason why Kamala rose, raised over three times as much as Trump in this last election cycle.
01:00:25.020There's, what was it, over a billion dollars she wasted on her campaign?
01:00:42.560I'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.
01:02:19.260I 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.
01:02:30.660And 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?
01:02:46.600I'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.
01:03:03.040Just so this guy could go on more fancy vacations.
01:03:06.720Now I want to talk about who maybe did this because a lot of people have pointed out, oh, I think it's the wife.
01:03:41.760But 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.
01:04:17.000If 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.
01:04:27.860It would be very easy to plant the blame on this guy.
01:04:32.220You 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.
01:04:48.140I think if she was the one who did it, she probably would have done it herself in some way.
01:04:52.660It's just too hard to hire hitmen safely.
01:04:56.400Especially 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.
01:05:04.460Yeah, the way that it's not easily detectable by morgues and stuff like that, heart attacks, something like that.
01:05:09.620If you're a doctor, you have access to the drugs to do that.
01:05:12.460Way easier than hiring a hitman, which is really easy to do.
01:05:16.160Although I imagine a lot of people are too cowardly to do it themselves.
01:05:21.820I'm just saying hiring a hitman is difficult and really dangerous to do.
01:05:27.480Because you've got to – how do you even do that?
01:05:31.260You have to live with the liability of knowing that they know, so they could always blackmail you.
01:05:35.580And she would end up with a lot of money, so there would be an incentive to blackmail her.
01:05:39.500So 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.
01:05:47.860Yeah, it would make sense for her to do it.
01:05:50.040Plus, the words on the bullets, that just seems so odd.
01:05:54.740I mean, no, that would have been a good way to cover it.
01:05:56.880I mean, your husband's CEO of like an evil company.
01:05:59.260Oh, so make it look like it was a disgruntled UnitedHealthcare system.
01:06:14.920If it was just a family member or someone aggrieved, there are a ton of other insurance companies.
01:06:22.240And 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.
01:06:33.300So, why did it happen to be one of them?
01:06:36.500Why 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?
01:06:52.580I almost get the impression somebody was looking for an excuse to be a vigilante and wanted to play out a superhero role.
01:06:59.520Do you think I feel good when after some dude does some atrocious act that I have to kill them?
01:07:22.380Wasn't there that guy who literally dressed up in superhero costumes and –
01:07:28.380No, 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,
01:07:38.120I'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?
01:08:24.740I might be able to incrementally make this better for dozens to hundreds of families that are watching their loved ones die unnecessarily every month.
01:08:32.880Or 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.
01:08:46.600And the existence of this guy adds insult to injury.
01:08:50.080Maybe it's just one moment of, hey, at least there's that for all these people.
01:08:56.760And, yeah, and one thing I'd say is I do feel very deeply for the family of everyone he denied health care to.
01:10:13.700And so this comment section is going to be a bloodbath.
01:10:16.200I haven't seen any public figure really come down as harshly on one side of this as I have.
01:10:21.720I know that this is an unpopular stance.
01:10:24.520I know that a lot of people will hate me for this stance.
01:10:28.140I know a lot of wealthy people will hate me for this stance.
01:10:29.960But I think that we need to, like, grow a moral backbone as a society again.
01:10:36.200And 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?
01:10:53.820And we will write you a letter telling you how angry we are.
01:10:56.640Well, I mean, there's this huge conversation about the health care industry in the United States anyway.
01:11:04.740I 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.
01:11:13.480So, 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.
01:11:27.500Why 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?
01:11:35.800Why 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.
01:12:56.200Their companies obscured that it was dangerous.
01:12:58.920They 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.
01:16:21.900But then I wish that we could just have that and get rid of the insurance industry as it exists now.
01:16:32.140It's just like when you think it's very similar to the school system, right?
01:16:36.480The amount of money that everyone pays when they just want to get healthcare.
01:16:40.480But 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.
01:17:10.960But yeah, but even the best of health insurance companies is still-
01:17:14.100The best health insurance company is Kaiser Permanente, which has a 7% denial rate.
01:17:17.740Right, 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.
01:17:31.280And like this, the whole game created by insurance companies in the health insurance world creates a huge amount of waste, that whole dance.
01:17:42.800I just, I just want to push back on this idea of this guy is no different from any other CEO.
01:17:46.720He'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-
01:18:00.000I want to, I want to actually flip this back on you in a way that might change the way you see this.
01:18:18.560How 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?
01:18:43.100When 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.
01:18:58.520The county disease control, like the Pennsylvania disease control, sorry, maybe not CDC, Pennsylvania disease control saying, give this to your health insurance provider.
01:20:36.640Well, 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.
01:20:48.040And maybe this guy had convinced himself of that.
01:20:52.520And so he literally thought, well, I'm not doing anything morally wrong.
01:21:03.460I 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.
01:21:14.240You know, my family might have intergenerational wealth, but it's because often they remade the money every generation.
01:21:20.700Like, 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.
01:21:29.140Do you know how he ended up running the company?
01:21:31.640So 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.
01:21:43.580And this is when my father was earning a fairly median salary.
01:21:48.520From what I remember at the time, he had no significant savings.
01:21:51.900He hadn't inherited any money and he was earning a salary of $60,000 a year.
01:21:56.320He, 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.
01:22:07.200It's just very much like ruthless care.
01:22:09.420Like, sure, son, you can take over the family company.
01:22:12.820I'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.
01:23:26.500The 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.
01:23:33.840So he increased all of his shares in the company instead of to the family, to the local Baptist church.
01:23:40.200That's what the falling out was about.
01:23:41.840And 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.
01:23:47.620He took out debt to give those shares to my dad.
01:23:50.260So you can think of it as horrible, but also kind of ethical in a way, like no intergenerational wealth transfer.
01:24:17.080I do think that surprising them with amounts is good if you have the luxury of doing that.
01:24:24.220I don't think that's going to be possible for us.
01:24:26.300Also, because I want to be super transparent with our kids and money.
01:24:29.000But 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.
01:24:38.540But 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.