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阎友们，
大家好。
路易吉·尼古拉斯·曼吉奥内 (Luigi Nicholas Mangione) 于2024年12月4日枪杀United Healthcare公司首席执行官布莱恩·汤普森 (Brian Thompson) ，震惊全美国。Luigi于 2024 年 12 月 9 日在宾夕法尼亚州阿尔图纳被捕并被提审。在宾夕法尼亚州放弃引渡后，他于 12 月 19 日在纽约市的一家联邦法院出庭。自被捕以来，Luigi在网上获得了支持，有些人称赞他是民间英雄。民意调查发现，大多数美国成年受访者对Luigi持负面看法，年轻受访者和自由主义者更有可能支持他。Luigi获得的支持与人们对健康保险行业的负面看法和有害的索赔拒绝做法有关。此案引发了越来越多的健康保险改革呼声。(以上内容来自Wikipedia)
老阎之前对美国医疗保险和医疗费用过高的根本原因以及解决方案做过深入的论述。本文是老阎观点的总结、以及围绕主题时事延伸话题的探讨。双引号“ ”里的内容为老阎原话。
欢迎大家在评论区讨论提出你的看法。
谢谢大家。
大智若愚33
阎文索引：
I. 总结：导致美国医疗保险和医疗费用过高的原因
一：美国医疗费用，人死前６个月的花费超过这６个月之前一生医疗花费的总和。
“美国人在临死前的半年，花掉的医疗费用超过一生的总和。如果减少最后６个月的痛苦治疗，美国医疗总花费就减半。也就是说，医疗保险的一半用于人生最后６个月住院治疗。按照这个计算，如果那些没有希望治好的老人提前半年离开医院，美国的医疗费用就减半了。而任何医改方案都无法让医疗费用减少超过20%。事实上，就是奥巴马的医改方案，最后还是增加医疗费用，只是改成全民保险而已。那为何医改如此艰难？因为大家不相信医改会让所有的人都少掏腰包的钱。如果能减少一半的医疗费用，那医改就势如破竹了。”
二：医生学会垄断了医生的供给，导致供低于求。
医疗费用高企的“根本原因是医生学会组团游说国会议员，公开令医学院招生人数不能放开而搞垄断。”
美国医疗花费早就超过了食物的花费。等于吃药比吃饭花钱多，其荒唐处便是由于医学协会对医学院招生名额的限制—在根子上垄断。
II. 如何从根本上解决：
一：建立新的道德观+死前半年费用病人自己承担
“因为人权范围应该只包括活着的人和离天堂还有很远距离的人。那些还有半年就入天堂的人，让他们天天在医院里受罪，还不如让他们到儿女家里过最后一段与亲人在一起的美好时光。当然，法律上要给这样的儿女一定的方便，比如可以临时辞职在家但不能影响以后的工作。这个，只要大家认同了就可以办到。没有儿女的，可以到养老院静养，没必要在医院里花费掉一生的积蓄还受罪。当然，吃药还是要吃的，而药物费用跟医院住院的费用相比，实在不值一提。这样，医疗保险只保年轻力壮的，而不治之症的老人临死前半年要么自己掏腰包住院，要么就在家静养，儿女对老人的照顾，雇主要给予一定时间范围的工资支持。在政府部门或大公司工作的，就由雇主继续发工资一段时间。个体工商业者，政府发给一定的补助。如何确定什么时间是临死前半年？这个要靠医生诊断个大概，然后按照病人死后来个秋后算账，有房屋遗产的，按照最后半年花了多少钱，就把遗产的钱扣掉这部分再给继承人。这个账目很容易算。这个方案的目的就是用死者的部分遗产作为最后半年的医疗开支。”
二：从法律上消除垄断：医学协会对医学院招生名额的限制，增加医生的供给。
“由于医生协会控制着医学院招生总名额，搞医改，不解决“协会不能游说国会议员”这一条，不能从法律上消除执照垄断，一切都是忽悠。根子在于执照的垄断（医生也考执照）。”
III. 延伸讨论：中美文化异同导致的不同暴力行为及大众反应
中美不同的文化能够解释两国不同的暴力行为的发生及大众反应：中国的奴性文化极为强大，培养出的都是怂人，其特征就是“对当权者摇尾乞怜甘当奴才的主”, 受气受欺压后不是找始作俑者算账，而是” 拿更弱的发泄“。而”美国人奉行的个人主义强者文化“。美国的媒体宣传的都是孤胆英雄，也与大众认可并追捧Luigi的心理相呼应。Luigi的杀富行为在网上获得了支持，有些人称赞他是民间英雄，当代蝙蝠侠。盖因“西方人骨子里崇拜英雄、勇者、硬汉。西方人对强者有着天然的佩服。”
而出现在中国新闻报道里的层出不穷的丧尽天良的那些到幼儿园杀害幼儿、在街上撞死撞伤无辜行人的恶人，基本上都是怂人，是”中国奴性文化培养出的懦夫。因为他们没有骨气与勇气去挑战真正的始作俑者和强权。同那些煽动本民族妇女儿童去送死当人肉炸弹的伊斯兰圣战者们(ISIS)都是一样的货色。”因为“真正的勇士绝不会欺负他国手无寸铁的平民。勇士是保护自己民族的妇女儿童的，因为他们是本民族的未来。真正的勇士绝不会煽动本民族妇女儿童去送死。”
“中国的传统文化是奴性文化。”“强大的中国的传统文化(奴性等级+人为财死+崇拜血腥暴力的当权者)早已与中国人的基因特性(奴性基因)相适应。一个领导受了比如校长的气，就拿更弱的发泄。那些在家里拿孩子出气、欺负老婆的男人，在社会上清一色都是对当权者摇尾乞怜甘当奴才的主。“
“中华民族经历了上千年的人工筛选，把有反骨的基因突变个体早已通过灭九族的方式给淘汰掉了。剩下来的基因库非常狭窄，只剩下甘当奴才的奴性基因载体的个体了。这一点与全世界其它国家不同。中国的传统文化是奴性文化。西方人想通过麦当劳好莱坞的文化渗透来改变中国传统奴性文化，效果非常微小。“
“恐怖分子的最大特征是欺软怕硬。最早了解伊斯兰圣战分子特征的是英国人。当年英国人占领中东时发现，主张“圣战”的伊斯兰原教旨主义者却是极端怕死的一族。他们最懂得审时度势、看人下菜碟。一旦发现你比他厉害，他立刻逃跑。“
“圣战者恐怖分子们选择法国等对他们绥靖政策的国家搞恐怖袭击，而不敢对身边欺负他们的以色列、杀死萨达姆本拉登等无数头子们的美国搞恐怖袭击，尤其是对手无寸铁的平民进行杀戮，是典型的欺软怕硬特征。” “伊斯兰圣战者们兵败如山倒的局面。因为他们怕死的特征极端表现就是靠妇女儿童的人肉炸弹。”
近些年发生在美国和其他国家的杀戮平民的恐怖主义分子差不多都是ISIS的拥趸或其他宗教狂热分子以及种族极端分子。(比如：2025年新年ISIS拥趸奥尔良恐袭致15人死亡; 2015 年 12 月 2 日圣贝纳迪诺大规模枪击事件；2016 年 6 月 12 日佛罗里达州奥兰多同性恋夜总会 Pulse 发生大规模枪击事件；2019 年埃尔帕索沃尔玛枪击事件。更多恐怖主义信息请参见以下链接：
https://en.wikipedia.org/wiki/Terrorism_in_the_United_States
https://en.wikipedia.org/wiki/List_of_terrorist_incidents_linked_to_the_Islamic_State
编者预测未来：可以预见，随着全球经济危机的爆发，失业人口的剧增，以及区域冲突的扩大。更多针对平民的恐怖袭击会发生，而这些恐怖分子大部分都会是奴性基因或宗教崇拜基因表达后的怂人。
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[Editor’s note: Luigi Nicholas Mangione is an American man who was identified as the person of interest and later a suspect in the killing of Brian Thompson, the CEO of UnitedHealthcare. Mangione was arrested and arraigned in Altoona, Pennsylvania, on December 9, 2024. After waiving extradition in Pennsylvania, he appeared in a federal court in New York City on December 19. On December 23, Mangione was arraigned in the New York Supreme Court and pleaded not guilty to his state charges. Mangione has been indicted on eleven state charges and faces four federal charges. Since his arrest, Mangione has received support online, with some celebrating him as a folk hero. Opinion polls found a majority of American adult respondents held a negative view toward Mangione, with younger respondents and liberals more likely to support him. The support Mangione has generated has been connected to negative views of the health insurance industry and harmful claim denial practices. The case has spurred growing calls for health insurance reform. (from Wikipedia: https://en.wikipedia.org/wiki/Luigi_Mangione)
Lao Yan has already disclosed the root causes of why health insurance and medical care are so expensive in the US and how to fix the problem. This article summarizes Lao Yan’s ideas and extends to related topics. The words inside double quotes “” are Lao Yan’s original words from various articles.
You are welcome to share your thoughts in the comments.
Editor: Dazhiruoyu33
I. In summary, the root causes of high medical insurance and expenses in the US are:
1. In the United States, over half of a patient’s lifetime medical costs are incurred in the six months before death.
Americans on average spend over half of their lifetime medical costs in the last six months. Skipping patients last six-month inpatient treatments will result in a large reduction in medical spending in the United States. This computation is predicated on the assumption that elderly or critically ill patients who have no chance of recovery are released from the hospital six months prior to their passing. In the past, none of the medical reforms proposed could lower costs by more than 20%. The only positive aspect of Obama’s medical reform was the expansion of insurance coverage. After Obamacare was implemented, US medical costs climbed. Why is it so difficult to execute medical reform? Because nobody believes that medical reform will result in a substantial drop in medical expenses. Medical reform can be put into place if medical expenses are reduced by half.
2. Doctor supply is monopolized by the Medical Association, which drives it below demand.
The “fundamental reason for the high medical costs is that the Medical Association lobbies members of Congress to pass the laws to freeze the number of medical school admissions, thus creating a shortage of doctor supply.”
In the US, the expense of medical care has long outpaced that of food. The Medical Association’s monopoly restricts medical school admittance, which contributes to the physician shortage.
II. How to solve it fundamentally:
1: Establish a new moral standard and enforce the patients pay for their own medical care for the six months before they die.
“A new moral value should be advocated that the scope of human rights should only apply to living people far from heaven. For those who are only six months away from heaven, it is better to let them spend the last good time with their loved ones at their homes instead of letting them suffer in the hospital treatment every day. New laws should be passed to allow children who care for dying parents to take a leave and stay at home without losing their job. Such a bill can pass with majority support. Those without children can rest at a nursing home. The patients will be supplied with medicine since it is much cheaper compared to hospitalization. Additionally, medical insurance only covers the young and healthy; old people with illnesses that can’t be cured have to pay for their own hospital stays or spend their last six months at home.
The government should subsidize self-employed and provide senior care pay aid to government and corporate employees who care for dying parents.
How do you know patients have six months? A doctor diagnoses. Patient’s estate should reimburse the last six months’ medical bills before inheritance.
2. Increase doctor supply by banning the medical school admission quota set by the medical association.
No medical reform will succeed unless the law is created to state, “the medical association cannot lobby members of Congress to set quotas on the medical school enrollment.” The shortage of doctors is the root cause of extreme high medical costs and insurance.”
III. Extended topic: Chinese and American violence and public reaction
China and the United States have different cultures, which explains their violent behavior and public reactions: Strong slave culture in China creates cowards who “begging for mercy from those in power and being willing to be slaves.” Instead of retribution, they “take the weaker to vent” after being bullied. “Americans value individualism and strength.” American media promotes lone heroes, echoing Luigi’s popularity. Some online labels Luigi a folk hero and modern Batman for killing the rich. “Westerners worship heroes, brave men, and tough guys deep down. Westerners naturally admire the strong.”
China’s slave system produces cowards, such as the endless stream of thugs who murder children in kindergartens and innocent pedestrians on the streets. Because they lack the courage to confront the instigators and powerful. They are like ISIS, who encourage their own women and children to die as human bombs. On the contrary, “True warriors never attack unarmed foreigners. Warriors protect their country’s women and children because they are the future. True warriors never advocate for the slaughter of their own wives and children.”
“The traditional Chinese culture is a slave culture.” “The Chinese’s powerful traditional culture (slave hierarchy + people die for money + worship cruel and vicious leaders) has long been suited to their slave DNA. In China, the strong bullies the weak. Men who beat their children and spouses at home are all willing to be slaves to the people in power.”
“Chinese with rebellious bones were exterminated after thousands of years of artificial selection through the Extermination of the Nine Clans of beheading the criminal and his relatives. Nowadays, most Chinese have slave DNA. This differs from other nations. Westerns wished to change Chinese slave culture through McDonald’s and Hollywood, but little happens.”
“Jihadist terrorists attacked France, which appeased them, but not Israel, which bullied them, or the US, which killed Saddam bin Laden and other Middle East countries’ leaders. Terrorists killed vulnerable people, bullying the weak and fearing the strong. Extreme fear of death led them to use women and children as human bombs.”
In recent years, most terrorists who killed civilians in the US and elsewhere were ISIS followers or other religious and ethnic radicals. For example, murders from: 1/1/2025 the New Orleans truck attack; San Bernardino mass shooting attack on 12/2/2015; mass shooting at Pulse, a gay nightclub in Orlando, Florida on 6/12/2016; 2019 El Paso Walmart shooting, etc. For more terrorism information, please see the links:
Terrorism in the United States – Wikipedia
List of terrorist incidents linked to the Islamic State – Wikipedia
Editor’s prediction: With the global economic crisis, surging unemployment rate, and regional conflicts, more terrorist attacks against civilians are expected. Most of the terrorists will be cowards with slave or religious worship genes.
