Comment by tchalla

2 days ago

The root cause of the problem is that parents and children need to raise funds for cancer treatment in the first place.

The fact that families have to crowdfund lifesaving care creates the vulnerability but it doesn't force anyone to build an industrialized scam on top of it

  •     Local man embezzles $20,000 meant to keep 200 orphans from being crushed in the orphan-crushing machine.

    • This framing is disingenuous. We're meant to say "tear down the orphan-crushing machine!" But in this case there's no machine, only human mortality. You're substituting a simple question ("why are we crushing orphans?") for a complex one ("who should pay for poor children's healthcare?")

      Also, the scale seems much larger than $20k.

  • > doesn't force anyone to build an industrialized scam on top of it

    The incentives are there. Our economy runs on incentives. Create a vulnerable group and the sharks smell blood in the water.

  • No-one is hoarding a free and easy supply of treatments. They're all hard-won advancements. The vulnerability is there by default.

  • Whether taxes, health insurance, the Church, or gofundme, technically all life saving care is mostly crowd-funded. Maybe not in some Wild West dystopia, but generally the pooling of funds seems to work better than solo funding.

    Involuntary, progressive crowdfunding through government threat of violence (taxes) seems to work better than the other methods and most consider it humane. Americans have shown little interest historically in doing the humane thing, unfortunately.

  • >but it doesn't force anyone to build an industrialized scam on top of it

    I mean almost the entirety of the US healthcare system is a industrialized scam engineered by middlemen

There's a benefit to having a service tied to the individual receiving the service. For starters it put price pressure and competition on providing the service. When someone else is paying for something you don't have a signal of efficacy, in terms of pricing or quality.

To put another way, if I were facing some terminal illness I would want to have full control of picking the service even if it costs money. Sure, I would want "the best" specific to me and have someone else pick up the tab, but that's a fantasy, because no system or third party has as much skin in the game as me. That's why things like elective surgery are so cheap and competitive.

The problem is why do these treatments cost so much? What prevents competition and innovation. And my argument it's largely due to regulation and third party payer system

  • You’re confusing ideology with the way the world actually operates.

    The general public doesn’t have enough information to make informed decisions when it comes to healthcare. This alone completely removes the usual market forces from providing any benefit when it comes to healthcare.

    Cancer treatments don’t inherently cost that much money, the systems to ensure people are actually getting useful treatments are expensive. You can’t trust companies selling cures. You can’t trust every doctor when they have financial incentives to offer treatments. Insurance companies are in an adversarial relationship with providing treatments, which doesn’t result in efficient supervision here. Lawsuits offer some protection, but at extreme cost to everyone involved. Etc etc.

    The net result of all these poor incentives is single payer systems end up being way more efficient, resulting in people living longer and spending less on healthcare.

    • > The general public doesn’t have enough information to make informed decisions when it comes to healthcare. This alone completely removes the usual market forces from providing any benefit when it comes to healthcare.

      Why is it always "the general public" and not "I". Do you have enough information about decisions? Can I take away some of your rights? No, of course not. Everyone else is dumb except me.

      I'm sorry but I refuse to believe some unelected, anonymous bureaucrat has my best interests in mind or can even know me anything about me such that I want to allow them to make health decisions for me.

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  • Time and time again large competing forces in the market are found to have colluded instead of directly competing with each other to drive price/cost down. What is it that still makes you believe that two (or n-number) of providers won't collude to charge an astronomical amount for a life-saving treatment?

    • Because if something sucks, someone comes up with something better and sells it for a profit. This is the history of pretty much every other good or service that is not heavily influenced by regulation and artificial barriers to entry

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    • > Time and time again large competing forces in the market are found to have colluded instead of directly competing with each other to drive price/cost down.

      Collusion and cartels never work on the long run. It's an unstable equilibrium, the incentive to reduce prices to capture more market is too great.

      > What is it that still makes you believe

      Competition. It's the only force keeping humans honest. That's why we must treat any barriers of entry in a market with extreme care. The only "failed" or "captured" market is a strongly regulated one.

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  • > it put price pressure and competition on providing the service

    This is simply not true. Healthcare in the US is comparatively much more expensive than countries offering subsidized healthcare with comparable or better outcomes(1).

    > it's largely due to regulation and third party payer system

    Capitalism can't work in a market that's completely consolidated, and where people can't offer to not buy your service. Healthcare in publicly subsidized countries is much less expensive because it's regulated. Compare the price of simple drugs like insulin or asthma medicine if you need an easy example. Pharma companies still happily sell there, which is to say that the difference is pure profit on the back of sick people who don't have a choice.

    My biggest grief against this individual payment system is moral though. I don't see the virtue in a system where kids have to put on a show to receive care. Or anyone for that matter, you'll give to a kid because they're cute and generate empathy, does it make someone ugly with no family less deserving of getting cured from cancer?

    1: https://www.healthsystemtracker.org/chart-collection/health-...

  • Because when you're dying you have no bargaining position. You can't just wait it out. And you're just a single client, whether you personally die or not does not meaningfully change their bottom line.

    So it is a highly asymmetric bargaining situation where all the incentives are poorly aligned. Of course it is exploitative.

    • Okay, you have no bargaining decision when you have N providers, so we should get rid of all providers with a single provider because only then you'll be in better bargaining position.

      And now your death will have a meaningful change to the career bureaucrat or politician that made the decision that led to your death.

      Because power of an individual vote is much more powerful than the power to take your business elsewhere. That's if you can find out the responsible party that makes these decisions and they're not appointed but elected, otherwise you'd have to mount an influence campaign on the politicians with 90% re-election rate to change said bureaucratic leader.

      Makes a lot of sense.

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  • When you have to choose a provider or you die, there won’t be a real downward pressure on price because there is no need to form a cartel to feed on this. You can see this in every single market of utility or de facto utility segments.

It's likely caused by the very same thing that causes human beings to knowingly and willingly steal money from children that need that money to live.

  • Some people seem to exist in a bubble where they believe that nothing bad will ever happen to them or their loved ones, so paying to improve society has no benefit to themselves.

    • Even if you never personally needed health insurance (which is unrealistic), you’d still benefit from a better, safer, less cut throat society.

      Same with education. I am more than happy to pay taxes for an education system, even if I do not personally have children.

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    • But charitable causes perpetuate the problems by creating an industry around them rather than trying to find solutions for them. You can’t trust industry to solve civil problems like healthcare or housing, since they shouldn’t be problems in the first place. Its like trying to trust the free market to keep people from raping and killing each other—people will rape and kill with or without the market! Some level of coercion is necessary that free market principles cannot employ.

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  • > It's likely caused by the very same thing that causes human beings to

    We’re not billiard balls. We have agency. Nothing causes a human being to choose to commit immoral acts vs. immoral acts. A human being may be put in a situation that may entice that person’s corrupt desires (we used to call this temptation), and responsibility while mitigating culpability is possible when someone’s rational faculties are overwhelmed, but the choice remains.

    Blaming systems for theft is scapegoating and an evasion of responsibility. (To make this clearer by distinction: a starving man taking bread from an overstocked warehouse during a famine is not choosing to commit an immoral act; he isn’t stealing in the first place, as some share of that bread is his).

    • This really doesn't explain why particular places and times in history have much higher crime levels. If what you said was true then rule of law would have been the standard throughout history... it has not been.

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    • Today a hope of many years' standing is in large part fulfilled. The civilization of the past hundred years, with its startling industrial changes, has tended more and more to make life insecure. Young people have come to wonder what would be their lot when they came to old age. The man with a job has wondered how long the job would last.

      This social security measure gives at least some protection to thirty millions of our citizens who will reap direct benefits through unemployment compensation, through old-age pensions and through increased services for the protection of children and the prevention of ill health.

      We can never insure one hundred percent of the population against one hundred percent of the hazards and vicissitudes of life, but we have tried to frame a law which will give some measure of protection to the average citizen and to his family against the loss of a job and against poverty-ridden old age.

      This law, too, represents a cornerstone in a structure which is being built but is by no means complete. It is a structure intended to lessen the force of possible future depressions. It will act as a protection to future Administrations against the necessity of going deeply into debt to furnish relief to the needy. The law will flatten out the peaks and valleys of deflation and of inflation. It is, in short, a law that will take care of human needs and at the same time provide for the United States an economic structure of vastly greater soundness.

      I congratulate all of you ladies and gentlemen, all of you in the Congress, in the executive departments and all of you who come from private life, and I thank you for your splendid efforts in behalf of this sound, needed and patriotic legislation.

      If the Senate and the House of Representatives in this long and arduous session had done nothing more than pass this Bill, the session would be regarded as historic for all time. ”

      --Franklin D. Roosevelt

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I think it's more complicated than this. People with incurable diseases are desperate and sometimes resort to unproven, dangerous and very expensive treatments. Unfortunately, most people don't have enough money for that, so in order to afford them they try to obtain donations to pursue the treatment they think will save them. Places like Turkey, China, etc are heavens for this kind of medicine.

easier said than done.

Parents had enough problems to think about.

In a similar way we can say that every shop in Amazon can create own digital shop themselves, but marketing, sales channels and distribution is not easy to acquire.

Politely, no. The root cause is 100% this a-hole scammer and his accomplices.

Is there even standard practices to audit the effectiveness of charity? No accountability means they will always operate like a black box, and I’ve always thought black boxes create misalignments.

Money goes in, and good feelings come out. It certainly serves a purpose, but not the intended one.

  • Yes, it's called Form 990 and it is a requirement to publish it on a yearly basis to retain non-profit status. You can search for any US-registered NGO here for example: https://projects.propublica.org/nonprofits/

    To put it in HN terms, this is what people here like to use to shit on Mozilla for how much they pay their executives while having zero insight into how much Firefox's for-profit competitors pay their executives.

    • > To put it in HN terms, this is what people here like to use to shit on Mozilla for how much they pay their executives while having zero insight into how much Firefox's for-profit competitors pay their executives.

      It's dubious to say Google "competes" with Mozilla, because they pay Mozilla to develop Firefox to avoid antitrust issues, but it's easy enough to find CEO compensation for public companies.

      https://www.sec.gov/answers/execcomp.htm

      Of course people have published the numbers for well known companies:

      https://www.jagranjosh.com/general-knowledge/highest-paid-ce...

      Also, "Other companies pay their CEOs ridiculous amounts, so we're going to," is a poor justification, and just shows Mozilla execs are there to enrich themselves, and don't really care about the browser or community. But I guess they can't spend all of the money on Pocket and AI.

    • Hmmm. But who can audit the reporting? Evidently, this looks like something they can manipulate.

      Is the bottom line roughly:

      Money received: 1000

      Money used for good: 800

      Labor: 200

      Is that it?

      Because I can assure you, that will not turn out well.

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Do any real* societies have health care systems where everyone who needs cancer treatment gets the best available?

* by real, I mean large societies that aren't propped up by some bizarre economic quirk...eg maybe the sultan of brunei can personally pay for everyone bruneian citizen to get the best cancer treatment. But that's not a scalable solution

Right, how much are crowdfunding platforms and payment processors making off of the desperation of people who can't afford medical treatment?

While that is indeed one of the causes, it does feel a bit like whataboutism to point it out on an article explaining the scam.

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  • Whether or not non-productive individuals who don't do any work can own the means of production and reap the majority of the economic surplus from it is somewhat tangential to the question of who pays for whose healthcare.

    There are plenty of capitalist nations that provide public healthcare on a large spectrum of coverage and quality.

  • Rather, crony capitalism with no real competition (cartelisation in the absence of strong regulation). This invariably leads to Imperialism ... We see this with BiGTech today and the phenomena of "digital imperialism".

  • Market economy. Capitalism is a name for the bad thing-- "the accumulation of capital by some to the exclusion of others". Those who argue for a market economy usually claim that with their rule, it won't be accumulation of capital by some to the exclusion of others, with them assuring us that there will be free markets and competition.

    Both actual capitalism, i.e. the bad thing, and this which can plausible be argued to be well-functioning market economies, are is often stabilized by adding elements of communism to the system-- publicly funded education, healthcare etc. This is one of the reasons why I as a vaguely socialism-influenced whatever I can reasonably be said to be see communism, i.e. a system characterized by the distribution principle "to each according to his need" as less revolutionary than the socialism distribution principle "to each according to his contribution". Communist distribution principles can coexist with ill-functioning market systems such as things which have degenerated into actual capitalism, whereas the socialist distribution principle can't.

    • Even in a pure unadulterated market economy that doesn't publicly fund healthcare you would expect to be able to protect yourself from high-impact low-likelihood events by means of an insurance. I find it hard to describe the US healthcare situation as anything other than a market failure

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    • > Communist distribution principles can coexist with ill-functioning market systems such as things which have degenerated into actual capitalism, whereas the socialist distribution principle can't.

      You won't have to worry about distributing advanced cancer medications when they don't exist in the Communist version, because they weren't discovered. You can't fulfil a need with a drug you never risked a giant amount of funding and effort to discover.

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    • "the accumulation of capital by some to the exclusion of others"

      This allows decentralised decision making for large grained resource allocation - for example should we build a factory for shoes, or for toothbrushes? - and is a good thing, as central planning has been demonstrated to not work if applied to the whole economy. (the converse, no central planning to any of the economy, has also been demonstrated to not work!)

      However that accumulation can be (and nowadays usually is) orchestrated by a corporate entity, which in an ideal world would be almost entirely beneficially owned by retirees on an equitable basis.

      What has gone wrong, is that the benefits of productivity enhancements (since 1970?) have flowed to capital more so than to workers - which not least prevents them from forming capital themselves (savings/pensions), hence rising wealth inequality.

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  • What are you suggesting is the alternative? Please don't reference small homogenous countries the size of Minnesota as something that will work for the US.

No, the root cause is that cancer exists. Or rather, that humans exist at all.

It's all very well and dandy that you can say "actually, there is a larger structural problem underlying it all" when meeting something bad, but it doesn't make that particular bad disappear.

I am curious: how else would you fund them? I sometimes donate & follow such cases and cancer treatments are expensive, especially experimental, custom ones. Worse, the rarer and more aggressive the disease - the more expensive the treatment and the slimmer the actual chances.

  • With Universal Health Insurance as all other developed countries do

    • Thanks. I never understood why intelligent people, comparing for example the German to the US system can even blink and decide that the German system doesn’t work.

      Yes, there is quite a bit to improve in the German system. No doubt there. But if I compare it to the abysmal situation in the richest country on this planet, I am left standing awestruck asking myself why. I really, genuinely cannot wrap my head around.

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    • That doesn't say how you would fund it, only what form of insurance is in place.

      If the US were to shift to that model today, a country already heavily in debt would have to either take on more debt PR increase revenues in a manner that they wouldn't have been willing to in order to fund our already growing debts.

      The debate over whether public or private healthcare is better is all well and good, but first we should be debating how the US would pay for it in the first place.

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    • There's also an often-overlooked issue, which is that some of the crowdfunded treatments are for things deemed "experimental" or whatever other label and thus not covered for even an insured person. This situation exists in both public and private healthcare systems. I'm not arguing in favor of a for-profit system with this, but people often miss this when they haven't personally run into uncommon health problems.

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    • Expensive health treatments can easily bankrupt any western government. None of those developed countries can afford to spend their money indiscriminately on them. So instead they turn to waiting lists, death panels and very often saying no but not in your face (since that is politically frowned upon) but thought delays and countless committees and bureaucracy until the patient expires...

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  • By tax. If you use taxes for nothing else, at least use them for children with cancer.

We have over the years raised billions (maybe trillions) for cancer treatments and we seem to have made negligible progress in actually curing cancer. Will it ever succeed? So maybe there is a root cause for your root cause?

  • That doesn't seem at all right, even misleading, cancer survivability has significantly improved

    • Unfortunately "cancer" is a very broad brush that covers a multitude of diseases.

      Plus the phrase "cure" does a lot of heavy lifting. People seem to see a win here as being "here's a tablet, all cancer is gone."

      So yes, we have spent an insane amount of money that can be ascribed to "cancer". (We've Also spent a lot on heart disease, diabetes and so on.)

      But yes, we have got an extraordinary return on money spent. Treatments and survivability of common cancers (breast, prostate etc) have gone through the roof. Better screening, better education and much better Treatments lead to much (much) better outcomes.

      Not all cancers are the same though. Some are harder to treat. Some rare ones are hard to investigate (simply because the pool is too small) but even rare cancers get spill-over benefits from common ones.

      In terms of "cure" - that's not a word medicals use a lot anyway. Generally speaking we "manage" medical conditions, not cure them. "Remission" is a preferred word to an absence of the disease, not "cure".

      In truth, we all die of something. Cancer is usually (not always) correlated with age, and living longer gives more opportunities to get cancer in the first place. So it's not like we can eradicate it like polio.

  • Progress in cancer treatment has been incredible

    Just one example, prostate cancer today has a 90+% 10 year survival rate, in 1970 that was 25%

  • There are more than 200 known types of cancer, and most are very fundamental and serious. It's not something which can be easily prevented or even fixed by just taking some pill or eating different. Yet, progress has been very phenomenal over the decades. Cancer can be cured to some degree, people can survive, but progress goes type by type.

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    • That's on the same level as terraforming Mars to escape climate problems on Earth.

      Removing cancer from a body is tremendously simpler than making a new body.

    • The brain cannot function outside the body. The brain needs your bone marrow to make red and white blood cells. The kidneys and the liver to filter and break down metabolic waste. Various other hormonal systems that affect how the brain works (c.f. the HN favorite "gut-brain axis"). A brain separated from the body could survive for a few weeks, but long term it would certainly die from neuron loss (i.e. dementia).