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Efficiency is a broken construct
(lemmings.world)
People tweeting stuff. We allow tweets from anyone.
RULES:
They do that because you are not the customer, your employer is.
That and there's no incentive for the insurance companies to do good things. If given a choice of making more money or less money they choose more money every time.
Yup, a lot of nonsense could be resolved if I could switch providers on my own. There would still be a lot of nonsense though.