Healthcare: This episode takes a deep, structured look at the American healthcare system and why medical care in the United States feels so expensive, confusing, and frustrating. Rather than blaming a single villain, it traces how the system was built through decades of historical bargains, employer-based insurance, public programs like Medicare and Medicaid, hospital consolidation, insurer cost controls, and the hidden mechanics of drug pricing. The episode explores how modern medicine became incredibly advanced while the financial system around it grew more fragmented, bureaucratic, and difficult for patients to navigate. From deductibles and facility fees to PBMs, pricing opacity, and the burden placed on ordinary people, this conversation helps listeners understand the full picture and why a medical bill often feels less like a price and more like a verdict.