This takes me back, fighting telephone fraud back when folks use to accept cc over the phone. We used similar patterns but only had phone numbers and the white pages. Cross state boundaries inside similar time frames and categorizing similar merchant types. It’s fun to see these same patterns still in use 20 years later for the same purpose.
In the US I tend to agree (given the current pay to live system is constructed) but in the UK with single payer insurance this seems more palatable.
I’m curious if a “free society / libertarian” middle ground would be limiting access to NHS for those that choose to continue to use known harmful substances. I’d posit that many would object to that the way “death panels” were politicized when the Affordable Healthcare Act was passed though.
In my experience this isn’t the case. SaaS systems, at the least the ones that are embracing this sea change seem to recognize that connectivity is key. They are opening APIs and partnering like we’ve never seen. They lack the domain expertise and resources to plumb the last mile. Companies can finally customize and integrate there core SORs at a reasonable price point and if you hire the right people decent technology. It’s a golden era, I do wonder if you’re correct medium/long term but the lack of skill sets to build, deploy, and maintain these solutions is very real. Many can vibe code a great looking app, very few can support it day two even for just a few hundred users.