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2021-07-12 10:43 by Karl Denninger
in Health Reform , 3206 references Ignore this thread
What If.... *
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.... every business model you see in the financial and personal world was just transplanted into health care?

Let me explain.

How many companies have gone from "you buy it, you own it" to you pay for it as a service over the last 10 or 20 years?



Music (where'd the CDs go?) and video (DVDs? Ah, Netflix!)

Accounting and sales management for business (e.g. Salesforce)

How many more would like to go there?

Transportation perhaps?  Nobody owns a car, you "hail" one?  Or more to the point, over the last 10 or so years it has become nearly impossible to do something basic like get a new key for your vehicle to replace a lost one without paying a dealer $300 for something that costs $20.  Why? Because the manufacturer has explicitly made it impossible to obtain the security key required to pair the new key; you bought the car but they won't give you the security code!  Or you have a module fail that can't be replaced without the dealer's tool to code it to your vehicle's VIN and the car won't run without that module working.  You are effectively forced to pay continuing rent on something you allegedly "own."

Housing?  Bloomberg recently ran an article on exactly that, which I reported on (and why it was bad for a huge percentage of the population.)

Now granted, there are times that paying what amounts to a rental fee is a net positive.  If you fly into some city and need a car, it would be stupid to buy one.  You only need it for a week.  Odds are you may never need it there again.  In addition there is no cost to you beyond the immediate loss of use when you terminate the agreement.

Now look at Quicken.

Your data is in their format.  Stop paying, what happens?


Your data is in their format.  Stop paying, what happens?

See the problem?

Same problem exists when you build for a "cloud" platform.  It's their data format and their application APIs, which are theirs.

Stop paying, what happens?

Ok, now think about this.

Pfizer is already saying they think you need a booster Covid shot.

Moderna has in the pipe a whole plethora of..... annual mRNA shots.

What happens if you stop paying?

Nobody knows in this case.

We don't know because we didn't test, we didn't force them to test and we didn't publish the data because we don't have it.  How do we know they don't have it?  How do we know that once you took the first one of these jabs you didn't buy into a perpetual "vaccines as a service" product and if you stop you will run a greatly-accelerated risk of death?


OAS and ADE, to name two reasons to be concerned and one of the reasons we do not license vaccines for 5 to 10 years or more as that has to be excluded and doing so is virus-specific.

Oh, they'd never do that you might claim.

Except they already have with health care.

Obamacare anyone?

Insulin, anyone, for Type I diabetics?  A biologic that has been off patent for decades and yet has seen the price skyrocket?  How's that, when its not patented?  Simple: Nobody goes to jail because we didn't tell the government that they will either enforce the law (15 USC Chapter 1) that makes such collusive action illegal or we will make everyone involved stop.  They will either stop voluntarily or they will stop because they are no longer breathing, but they WILL stop.

Do you really think this isn't what most of medicine is about today?

Of course it is.  Why else would you have an FDA that will approve drugs that are not either (1) better or (2) cheaper with that being the requirement to be proved?  It isn't, you know.  Witness the most-outrageous recent example for Alzheimer's, which hardly stands alone and all of the advertising for various drugs, none of which is proved to be better or cheaper.  Notice how as soon as such drugs become generics all those ads disappear.  Where did Viagra ads go when the patent expired?  Notice how the advertising disappeared last April?

Oh, and as for scams, the patent was supposed to run out in 2012.  Men got fucked (no pun intended) for another eight years.

Why do you think you get told to go ahead and eat the carbs -- chase it with drugs if you're Type II diabetic?  The zero cost option is to stop eating the carbs.  If you do it early enough then there's a good chance your body will heal and the damage will not only stop, it will be reversed.  No, this doesn't mean you can go back to eating the pizzas with wild abandon, but it does mean you'll never need a single blood-sugar related drug, nor will your toes and fingers drop off and your kidneys will likely not fail.

The problem is that if you let your doctor talk you into doing it his way for long enough the damage will be irreversible and then you're beholden to ever-more expensive drugs and, ultimately, likely surgeries and even dialysis.  If you walk that path you may or may not expire from something else first but you certainly will spend a hell of a lot of money on the journey with virtually all of it being unnecessary.

What makes you think that's not what they just did under cover of a respiratory pandemic that was destined to burn itself out like every other respiratory viral pandemic for which we have good records spanning more than 100 years, and in fact which had done so in the United States and was on the wane before the first shot went into the first arm?

What if your life and that of your children are now a service, courtesy of Moderna and Pfizer at whatever cost they wish to impose on you now and into the indefinite future with the price of quitting being a much-higher risk of death, and what if that is in fact exactly what pharma, the medical industry, Trump and Biden all had in mind originally and still do?

Think I'm wrong?

Have a look at the 2018 MTS and what happened to Medicare payments.  This fiscal ended in September of 2018, the second year of Trump's Presidency.  Prescription drug spend was down from 95 billion to $82 billion, a decrease of close to 15%.  Hospital spend was nearly flat - up right at 1%.

Do you think Pharma and hospital administrators liked that?  The next year drug spend was up 3.6% and then ending in September of 2020 it was up 5.3%.

Hospitalization?  That posted a 26% increase year ending September 2020 with hospitals being paid $39,000 per person by Medicare to shove a tube down your throat and kill you instead of being paid to give you drugs early with them only getting paid when you didn't get intubated and die.

In other words health care as a service which in fact paid more to kill Seniors was good for a 26% increase in what the federal government spent despite killing a half-million people with the vast majority of them being Senior Citizens on Medicare.  We didn't pay for performance we paid for a subscription even though what it bought sucked and in fact killed your Grandmother.

Do you think that's stopped?  Well then you better look at the current MTS which says that while hospitalization spend is down (gee, all the old people who could be easily killed seem to already be dead and we ran out of suckers we could exploit by sticking a toe tag on them) when it comes to prescription drugs the current year spend via said subscription model scam is up 12.4% over last year thus far on a comparable-period basis!

Don't you think we should have proved that wasn't the model being intended for these shots to be forced on EVERYONE before we started letting people get stabbed when the data before us, on October 15st of 2020, was that indeed that was exactly the model the health care system had run for the previous fiscal year into the maw of the pandemic and got paid to deliberately not treat people early which both led to their death and got them paid a record amount, an utterly obscene additional EIGHTY TWO BILLION DOLLARS above the previous year's expense?

You better hope that's not what they tricked you into because if it is you're screwed at least economically and may be fucked out of your life.  I remind you that the MTS proves that is exactly what they did to Seniors when it came to medical care just during the first six months of the pandemic to the tune of $82 BILLION which was in fact paid out as a reward for generating 500,000 CORPSES.

But you still won't make them stop -- will you?

That refusal is why we all deserve what's probably going to happen.

When it does just remember this: That wasn't an accident, it wasn't unforeseen and all of it was and is illegal but you sat back and not only let it happen, many of you cheered it on.

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Robackrman 323 posts, incept 2021-04-07
2021-07-12 11:34:51

Latest Professor Sucharit video (watch it while you can):

Professor Sucharit Bhakdi, M.D.Prof that puts an end to the Sars-CoV-2 narrative.July 9, 2021
Abelardlindsey 2k posts, incept 2021-03-26
2021-07-12 11:34:59

I generally dislike conspiracy theories simply because so many of them are outlandish. But I consider the medical establishment with all of its stakeholders using the vaccines to push everyone into a subscription model of healthcare to be credible. For one, it is not a truly malignant effort like a Gates/Schwab effort to depopulate the Earth. Second, as Karl points out, it is the extension of the subscription model in other industries, particularly cloud computing, into health care. This makes it easier on the part of the stakeholders and medical staff to convince themselves on a daily basis that they are doing the "right" thing. This is the bureaucratic mentality in its purest form. Everybody involved is a bit-player, performing a very small part of the total effort. Thus, when it goes bad, they can say that they weren't responsible because they were performing a very small role and, besides, they were just following the standard procedure as told by their boss and the system in general (does the expression "we were just following orders" in its historical context mean anything to us?). I have come to believe that one of the primary purposes of bureaucracy is to shield everyone in it from any sort of accountability for their actions while convincing them that they are doing the "right" thing. I believe this is one meaning of the expression "banality of evil".

The Spielberg movie "Schindler's List" did a fairly good depiction of the bureaucratic aspects of the Holocaust.

Its all in the mitochondria.

Its the future and...you're not.
Erroldo 691 posts, incept 2013-09-12
2021-07-12 11:40:34

That's why my newest vehicle is a 2010 Tundra that I on ly drive when I need to move something.
Other than that I stick with BMW 2010 or older, as I developed a skill to fix everything on these, including making keys with Chinese programming tools bought on AliExpress or Ebay. Works most of the time.
Tried looking for the engine tightening torque on a BMW F10 2012 550i and could not find it. Was led to BMW website that wants, $30/day, 250/month or 2500/yr subscription to see such data. Everyone around the web was told to remove such content by BMW. Data for cars 2010 or older is still available on public websites. Subscription model is becoming a the norm in all areas of consumption. We will be renting everything new.
Bodhi 6k posts, incept 2008-02-23
2021-07-12 12:05:50

I've used Quickbooks for many years. I'm a one-man band, so all I need is basic accounting.

The last decent version was 2013. After that Intuit managed to fuck up every upgrade. In addition they would change the database format so it wouldn't be compatible with earlier versions.

I decided to give the 2016 version a try. Before proceeding I saved a copy of my company file, and created a new restore point. It was a disaster for me, and many other people. Not only did this upgrade FUBAR my PC, the new version of QB was a POS.

I ended up doing a system restore from the restore point I had just created. Then I had to re-install QB from the 2013 CD I had.

To this day I still use the 2013 version. At this point I wouldn't upgrade if they offered it for free.

Intuit is also pulling shit with TurboTax. For one thing it now will not load on Windows7 (at least not without a bit of hacking). I loaded it on a Windows10 PC, did my taxes, and re-sold the CD on eBay as it's supposed to be good for 5 separate installs.

Apparently Intuit watches eBay as I got an email that a complaint was filed that said I had no right to re-sell the CD. So they took down my listing. The guy I sold it to said it worked fine, so no harm done.

Intuit has now guaranteed I will never use another one of their products.

There is too much negativity in the world. Do your best to make sure you aren't contributing to it.
Fakehustle 17 posts, incept 2021-05-26
2021-07-12 12:11:12

Dr Reiner Fuellmich and Dr David Martin on 7/9/21. The planning for this event has been going on for years. I'm not sure how these guys will stay alive.

Tickerguy 202k posts, incept 2007-06-26
2021-07-12 12:10:54

TurboTax is good for 5 returns (federal; only one state) and they send enough data back to "Momma" linked to your serial number to make damn sure you don't cheat on that. They don't give a shit WHO'S returns, just that its only five. That's fine. My kid can do hers, I do mine, when my Mom was alive we did hers, and if I have a couple of friends who want to use it they're welcome to, once I'm done with mine and those who I care about. They can sit in front of the machine here for the 30 minutes and have at it.

I used to buy the boxed Quicken every few years -- latest at the time. They got rid of the boxed option; subscription, annual and only. Ok, fuck you. So you think. Except then they turned off all downloaded access to data for older versions; either pay the subscription fee or you have to manually enter everything.

Adobe tried to do this to me too but so far I've avoided it. However, it means no more new Canon camera purchases. Why? Because without their subscription I can't read any of the new camera CR2 formats. I will not pay their annual extortion; I bought a license, and I will use said license. I don't need their "enhancements" such as they are, but they do everything they can to force you, if you're a working professional, to pay up.

Build something that runs on AWS. God Help You if you use any of their APIs. Base OS stuff, fine. Use any of their APIs, which are handy, and oops -- you just made the application proprietary -- at whatever cost Amazon wants to charge in the future. Or worse - what if they de-platform you? You're INSTANTLY out of business.

VW tried this crap on me with my 2003. Prior to 05 or thereabouts they GAVE YOU the SKC (4-digit code) needed to match keys. Then they changed their DEALER tool so it was "online" when the dealer made you a key and thus neither he or you ever saw the code -- and they refused to give it to you. That bullshit continues to this day. I found a piece of software that could hack the cluster and extract it, but it only works on cars up to 2003. Good, that's the year I have. Fuck them, I'm not paying that extortion. On my '02 GM you CAN pair you own keys without the dealer bullshit. It's takes quite a long time, which is clearly a "stealing car becomes hard enough that said thief is likely to get caught" thing, which is fine. If its YOUR car then you don't give a shit if it takes 20 minutes to match the key. Just that you can do it. But the newer ones? Forget it. And ALL the vehicles with so-called "driver assistance", irrespective of brand, are now locking all this bullshit up with crypto keys only the MANUFACTURER has, which are VIN-specific, and the private key is in the MANUFACTURER's possession (not even the dealer's) and you cannot have it; the dealer service tool uses it online directly from the manufacturer when you take the car in. Not at the dealer? Tough SHIT.

You think health care isn't doing the same thing?

Sure it isn't.

"Perhaps you can keep things together and advance playing DIE games.
Or perhaps the truth is that white men w/IQs >= 115 or so built all of it and without us it will collapse."

Venuspluto67 13 posts, incept 2021-06-02
2021-07-12 12:18:56

This would also have the effect of making all those people dependent on subsequent injections all nice and controlled.
Indianarube 1k posts, incept 2020-03-22
2021-07-12 12:19:03

"You'll own nothing and be happy." A quote from the Davos crowd, that was scrubbed. I didn't realize they were talking about life itself.
Bodhi 6k posts, incept 2008-02-23
2021-07-12 12:35:03

TurboTax is good for 5 returns

I've long bought the CD new every year, and then loaded it on two different PC's (mine and my dad's). I would then re-sell the PC on eBay and never had a problem until this year.

But all that is now moot. Something has definitely changed, and Big Bro is now clamping down.

There is too much negativity in the world. Do your best to make sure you aren't contributing to it.
Robackrman 323 posts, incept 2021-04-07
2021-07-12 12:35:23

alternate link to video previously posted that contains references for supporting papers:



    * Your immune system is your best defence against SARS-CoV-2, and indeed all coronaviruses.
    * If you have been infected, even if you experienced no symptoms at all, you are immune to all variants.
    * We have already reached herd immunity.
    * There is no scientific reason to vaccinate against SARS-CoV-2. There is simply no benefit and the rollout must be stopped.

Niti 893 posts, incept 2008-03-20
2021-07-12 13:09:36

I use Quicken for home and business. So, I have 2 copies. That annual subscription stuff sucks now.

But, for some reason when I have done the upgrade, it upgrades both copies. It has done this for 3-4 years now. They screwed up some how. I use same email for both but different machines and bank accounts.

I have other software that charges every month for my business that keeps track of each patient account. So, the Quicken cost for keeping track of bills for supplies is negligible in the big picture. But, it all adds up.

Thanks for the heads up on Canon and CR2 formats. I have a lot of Canon glass and was considering Canon or a Sony mirror-less camera since my camera is 10 years old. Of course, Sony has always played those games with all kinds of formats.
Abelardlindsey 2k posts, incept 2021-03-26
2021-07-12 13:09:45

If I want a small business accounting software that I install on my computer (no cloud service), what do you guys recommend?

Its all in the mitochondria.

Its the future and...you're not.
Jules 1k posts, incept 2009-04-18
2021-07-12 13:55:08

Turns out I wasn't a conspiracy nut after all. I was a freakin' prophet.
/just sayin...

p.s. @Tickerguy - Thanks for the heads up on Canon. They're all in on the steal at this point, I realize, but I can live without any of that crap if that's how it goes.
"Let the buyer beware prior to purchase" should be required for a LOT of things - including getting jabbed.

The entire global financial system is a pawnshop.

If you don't like your life, change it. - Workerbee 5/2/23
Jc3 631 posts, incept 2020-03-02
2021-07-12 13:55:13

This subscription thing seems to be a really nice solution to the "too many old folks taking money" from the system. Just give 'em the "terminator shot" as their booster at the appropriate time. We have terminator seeds in GMO crops, why not terminator boosters for GMO people?

Time buy stocks in SCI, CSV, HI, MATW ????
Shadowmask 6k posts, incept 2021-05-24
2021-07-12 13:55:21

Another "medicine as a service" is the limits on prescription refills. Patients have to pay for an office visit even when both the doc and patient know the doc won't change a thing.

The learning curve for being dead is steep, but everyone gets it down pat on the first go usually.--Thystra, March 28, 2023
Hanssachs 171 posts, incept 2021-06-24
2021-07-12 13:55:28

I did a seminar on migrating to a subscription model three years ago. Tout le rage, and it makes quite a bit of sense. I have Office 2016, installed for free from a place I worked. I mistakenly updated to the new Version and foundI now had office 365. Restore from backup and I will live with Office 2016 forever.

There's been concierge medicine by top doctors for a while. Pay a flat fee and the doctor will cover all your needs for the year. The best doctors apparently went to it to get away from the Medicare/insurer squeeze: somebody has to pay the salaries of those Professional/Managerial Class grifters. If you're not good enough or brave enough to strike out on your own, you'll take whatever abuse the insurers dish out. I had thought of concierge doctoring as an improvement, and still do.

As mentioned earlier, I have relatives who are Type 1, some of whom have expressed the idea that a cure for the disease won't ever come about because of the lifetime of medication that would be cut off. So creating a subscription model for mRNA for the whole population will emulate that model. There has long been an escape hatch, however: Canada. Diabetics can buy insulin for 1/15th the US cost just by crossing a (closed for 15 months... hmmm) border, and EpiPens for anaphylactic shock are likewise available for at least an order of magnitude fewer dollars.

So the subscription model for the mRNA therapy will only pay off big in the USA, with uncontrolled drug pricing. If they can get the same in Canada, they might get $7 per jab, not $70, making a measly 20% over cost of production; not bad for guaranteed profit, but not the rapacious lucre they're used to.

It will also bankrupt the country (all right, Medicare already did that) and lead to the Bolshevization of medicine. apres moi, le deluge, the pharma execs must think. I hope they drown in the flood.
Tickerguy 202k posts, incept 2007-06-26
2021-07-12 13:57:04

@Hanssachs -
There's been concierge medicine by top doctors for a while. Pay a flat fee and the doctor will cover all your needs for the year.

That's a subscription model. Sweet Jesus, why not pay for actual outcomes instead?

Oh, nobody wants that.

Well, that's why 600,000 Americans are dead, so pat yourself on the head.

"Perhaps you can keep things together and advance playing DIE games.
Or perhaps the truth is that white men w/IQs >= 115 or so built all of it and without us it will collapse."
Anicolici 96 posts, incept 2010-05-20
2021-07-12 14:54:59

>Restore from backup and I will live with Office 2016 forever.

@Hanssachs - We switched to Libre Office a decade ago and never looked back. F Microsoft.


If you switch, make sure to hit their donation box once in a while since nothing can really be free.
Reformedhippy 4k posts, incept 2020-07-01
2021-07-12 14:55:18

The subscription model seems to fit nicely with the pervasive phenomenon of instances of a hocked preventative or cure of actually causing the disease or condition.

The most recent example came up in my news feed last night: "The OGX-brand shampoos and conditioners marketed by Johnson & Johnson to nourish and smooth your hair actually contain a combination of ingredients that cause significant hair loss, a new nationwide class action lawsuit alleges."


Other examples:

Getting mammograms and other X-ray screenings, supposedly for the purpose of catching cancer early to start early treatment, actually cause cancer.

Following food pyramid guidelines cause inflammation, obesity and diabetes. Once diagnosed, diabetes treatment guidelines recommend too many carbs so as to require lifetime maintenance of insulin to control resulting blood sugar spikes.

Women are conditioned to wear lots of makeup from an early age. The cheap stuff the teenagers start on usually causes damage to the face, and requires other products to fix. Once a woman wears makeup daily for many years, the damage to the skin becomes permanent and now makeup is required to cover it up.

While outside the literal cost subscription model there seem to be so many other indoctrinations that cause the thing they claim to prevent or cure such as critical race theory.

It is no wonder that those of us who pay attention try our best to avoid buying what's being pushed.

We all have our blind spots and cognitive dissonance. Many thanks to Karl for his insightful publications and for allowing us to discuss here in the forum and to share and learn from each other.

Reason: spelling
Heartlander 3k posts, incept 2021-02-25
2021-07-12 15:08:24


GOD BLESS YOU for sharing this!
I will be sharing this with EVERYONE I can -- especially those who have gotten the vaxx and are already being pressured to get booster shots.

I sure hope they will listen!!!!

Oh. My. God. Help. Us. All.
Wayiwalk 1k posts, incept 2016-11-09
2021-07-12 15:24:28

I think it took a while for the auto manufacturers to figure out how to plug into the subscription model from the early planned obsolescence cash flow model. The various publications that shared reliability / cost to repair at least made the car makers compete and provide a better products.

So, just like "in-state" college tuition, the problem is solved by f'ing the consumer with other fees and cash grabs.

College's try that subscription approach too, trying to encourage folks in the workforce to pursue more degrees/accredidation. Phooey.

It really sucks.

And I'm in the office for the first time in about a month, for a new hire's first day. Most of the folks are without masks, per company policy, which means they are jabbed (or lying). I won't lie for the sake of my profession certs...and, because I'm me. I am in my own office, so I can be maskless when I am in my cage. But meeting with another human and wearing one and carrying on a garbled (from me) conversation was completely sucky.

Someday Gen Z or whatever they are called ("zoomers" I've heard) will wake up one day and want to slay all of us.

I keep thinking, "it can't get any worse" and then it does!

Let's Go Brandon!
Skybluepink 1k posts, incept 2007-10-20
2021-07-12 15:24:41

Big pharma has been salivating at the idea of making adult vaccine mandates a reality. They already have the kids. I didn't realize it at the time, but those baby shots set us up for a subscription model for seizure meds and epi-pens....almost 20 years at this point.
Abelardlindsey 2k posts, incept 2021-03-26
2021-07-12 15:24:49

Never forget that the tobacco companies knew full-well of Nicotine addiction and intentionally designed cigarettes to make them more addictive. Deliberately designing a medical compound or treatment with the intention of making people addicted to follow-up compound/treatments is certainly plausible.

Its all in the mitochondria.

Its the future and...you're not.
Erroldo 691 posts, incept 2013-09-12
2021-07-12 15:24:59

you would think that with new side effects of the vaccine making mainst
Now I am seeing new rare nerve damage at 3-5x what occurs without the vaccine. How many will have this conditioon, not knowing the vaccine is the causative agent? Rare my ass...

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