Americans look at their 9k a month salary and don't care about loosing an extra 300 USD on health insurance. I've experienced the British and Swiss systems - Swiss is like the American - pay roughly 600 CHF a month - and it's way better than the NHS. You can see a specialist the next day, get a scan the next day etc.
Well it will be multimodal, training and inferring on feeds of distributed sensing networks; radio, optical, acoustic, accelerometer, vibration, anything that's in your phone and much besides. I think the time of the text-only transformer has already passed.