Fondo de Salud Común (FSC)/en

Health is not a commodity. Biological vulnerability is not a market opportunity.

"In the Demarchy, perfect health will not be an acquired privilege, but an inherent right as basic and universal as water."

The Common Health Fund is the biological counterpart to our disintermediated economic system. If in the Common Fund we are all 50% partners, in the CHF we are all 100% partners .

Because if the risk of getting sick and growing old is the most universal risk we share as a species, mitigating it should be our most important collective investment.

Radical Ideas About the Future of Health That Will Make You Question Everything

We've all felt it: the frustration of waiting months for a specialist, the exorbitant costs of a simple treatment, the feeling that the healthcare system is more interested in managing our illness than in truly curing it. It's easy to blame the lack of scientific progress, but what if the problem were something else? What if science already had the potential to eradicate most diseases and even old age, but was trapped in a system with completely reversed incentives?

The problem isn't a lack of capacity, but a perverse design that turns human suffering into a business model. A system that thrives not when we are healthy, but when we are chronically ill.

This article is not science fiction. It's an exploration of five radical ideas, based on a new model of governance and health called Planetary Demarchy, that demonstrate that a radically longer, disease-free life is not only possible, but is being held back by artificial barriers. Prepare to question everything you know about health.

First, admit the unacceptable: Your illness is a business model

The fundamental contradiction of our healthcare system is that it's not designed to create health, but to manage disease . This is the most disturbing and, at the same time, the most revealing idea. Think about its incentives: a cured patient is a lost customer, while a chronically ill patient is a perpetual revenue stream. Does it sound like a conspiracy? No, it's simply a system with the wrong incentives.

This flawed design explains why massive investments are made in treatments that perpetuate chronic illnesses instead of definitive cures. The result is a brutal drain on resources. Between 30% and 50% of everything we pay for our healthcare is diverted to intermediaries who provide no therapeutic value. This diversion breaks down as follows:

• Insurance Extraction (10-15%): A layer of intermediaries that thrives by denying coverage and adding complexity.
• Bureaucratic Inefficiency (25-35%): A labyrinth of paperwork, duplicate data and failed coordination.
• Patent Monopolies (15-25%): Artificial barriers that inflate prices and hinder shared innovation.

In short, we are paying much more for much worse health, simply because our disease is too profitable a business to be eliminated.

Old age is not a destiny, it's a (very profitable) disease.

What if old age weren't an inescapable destiny, but a disease that can be cured? This radical idea posits that aging is a set of specific biochemical processes that can be slowed down, stopped, and potentially reversed. Science already identifies these causes: the accumulation of "zombie" (senescent) cells that poison tissues, epigenetic disorder that corrupts the "software" of our genes, damage to the DNA of our mitochondria, or the accumulation of misfolded proteins

So why isn't it the number one priority of global medicine? Because the current system generates $1.2 trillion annually treating the symptoms of aging: cancer, Alzheimer's, heart failure, osteoporosis... Curing the root cause would destroy the profitability of the entire system. This leads us to an uncomfortable but necessary question:

Why can't a society that can send machines to Mars prevent old age?

The answer is that it's not technically impossible, but economically inconvenient for the current system. Imagine a society where the clinical category of "old age" were eliminated. Not only would we live for centuries, but the very structure of our lives—learning, career, relationships—would be transformed, opening the door to cycles of personal reinvention that we can't even conceive of today.

Your Internal Pharmacy: How Your Body Will Become Its Own Doctor

We are on the verge of two revolutions that will make pharmacies seem like relics of the past. This isn't just about new technology; it's what happens when the focus shifts from selling drugs to manage symptoms to enabling the body's self-healing mechanisms.

The first is the Immune Revolution . Our immune system is an army of trillions of cells of astonishing complexity. In the future, instead of attacking it with drugs, we will reprogram it to act as a super-intelligent, personalized defense. We will be able to train it to identify and destroy cancer cells before they form a tumor , neutralize any virus, and eliminate autoimmune reactions such as allergies.

The second is the Neuromodulatory Revolution . Through brain-body interfaces, which allow us to communicate directly with our nervous system, we will take conscious control of processes that are currently automatic. Imagine being able to directly regulate chronic pain without painkillers, control inflammation without anti-inflammatories, or modulate an allergic response without antihistamines. Entire categories of medications, which generate billions in annual expenditure, would simply disappear.

Goodbye to the 15-Year Clinical Trial: This is How Your Next Cure Will Be Created in 15 Months

The current model for developing a new drug is a disaster: it takes between 10 and 15 years, costs over a billion dollars, and has a 90% failure rate. The Pharmaceutical Revolution will change this thanks to Artificial General Intelligence (AGI), an AI with human-level or superior reasoning capabilities

How? Instead of slow and risky human trials, AGI will use two revolutionary tools. The first is "Population Digital Twins ," which simulate the effect of a new molecule on millions of virtual patients representing the full spectrum of human genetic diversity, eliminating the need to risk lives. The second is "Reverse Molecular Design," where AI doesn't test molecules randomly, but rather understands the disease at a fundamental level and designs the perfect molecule to combat it from scratch.

This new paradigm will allow:

• Develop new drugs in 1-2 years , not in 10-15.
• Reduce the cost by 95% .
• Achieve a success rate of over 90% .

The most radical change is the ownership model. By eliminating patents, any discovery would become public domain. Medicines could be manufactured by anyone, as a common good, making their final cost close to zero and guaranteeing universal access.

Zero Waiting, Zero Insurance, Zero Paperwork: Healthcare as an Instant Service

Three of the biggest frustrations of the current system—waiting, insurance, and bureaucracy—could be eliminated in one fell swoop. A specialized medical AI can treat millions of patients simultaneously without degrading its service, completely eliminating waiting lists

"Today: 6 months waiting for a specialist. Tomorrow: 6 seconds."

At the same time, a healthcare system redesigned from the ground up would eliminate insurance companies, a "parasitic" layer that inflates costs without adding therapeutic value. Removing this intermediary alone would immediately cut costs by 25% to 40%. Add to this the automation of bureaucracy (which in some systems represents up to 50% of spending), and the resulting release of resources is monumental.

Conclusion: The Real Barrier Is Not Science, It's the System

The ideas presented here don't require scientific miracles. The technology to achieve near-perfect health and extended longevity is already under development. The real barrier is the current system, a legacy built on artificial scarcity and perverse incentives. We are witnessing the clash between this outdated model and a future of technological abundance.

The choice we face is not only medical, but ethical and social. It is about deciding whether health is a commodity or a fundamental human right. A new paradigm is not only possible, but necessary; one where research is open and incentives are aligned with the most fundamental goal of all.

"The true measure of a healthcare system is not how much it costs, but how much suffering it prevents."

The question, therefore, is not whether we can afford this future, but whether we can afford not to build it. And this leaves us with a final thought: if illness and old age became a choice, what would you do with a life spanning several centuries?

The Common Health Fund: A Value Proposition for the Next Stage of Humanity

Introduction: From Disease Management to Investment in Health

This document presents the value proposition of the Common Health Fund (CHF), a strategic framework designed for investors, policymakers, and visionary leaders who recognize that human capital is the fundamental asset of any society.

Our thesis is a statement of fact: the global healthcare system does not need reform; it has reached a point of terminal collapse due to a fundamental design flaw that renders it structurally incapable of generating health. The FSC is not a band-aid, but a complete redesign of the foundations, aligning for the first time economic, scientific, and social incentives with the goal of universal biological optimization.

The vision that guides us is clear and absolute. "In the Planetary Demarchy, perfect health will not be an acquired privilege, but an inherent right as basic and universal as water." To understand the magnitude of the proposed solution, we must first accurately diagnose the systemic crisis that makes this change not only desirable, but inevitable.

1. The Diagnosis: The Unresolvable Crisis of the Current Healthcare System

To design a lasting solution, it is imperative to understand the root of the current system's failure. It is not a lack of resources, talent, or technology, but a perverse contradiction that poisons every decision: its business model is based on human suffering and disease management, not on creating health. This fundamental distortion has corrupted the entire system, creating an ecosystem where a cured patient is a lost customer and a chronically ill person is a perpetual revenue stream

The fundamental distortion of the system manifests itself in structurally corrupt incentives:

• A cured patient is a lost customer: The system is optimized for long-term disease management, not for eradication.
• A chronically ill patient is a perpetual income stream: Funding for perpetual treatments is prioritized over definitive cures.
• More is invested in marketing than in definitive cures: Resources are diverted from fundamental research towards the promotion of symptomatic drugs.
• Medical knowledge is fragmented by patents: Discoveries are hidden behind artificial monopolies that slow global progress.
• Access depends on wealth, not need: The ability to pay, not medical urgency, determines who lives and who dies.This inefficient architecture generates a brutal drain on resources, with 30-50% of spending diverted to intermediaries with no therapeutic value. The main areas where this extraction occurs are:

• Insurance: 10-15%
• Bureaucracy: 25-35%
• Patent Monopolies: 15-25%
• Pharmaceutical Marketing: 10-20%
• Price Speculation: 5-15%

The impact of this inefficiency is devastating, both in human and economic terms. The true cost of healthcare is between 80% and 95% higher than it should be, while 9 million people die annually from curable diseases and 5 billion lack access to essential treatments. This situation forces us to ask the uncomfortable question: Why can't a society that can send machines to Mars prevent aging? The answer is not technical, but economic. Old age and its associated degenerative diseases generate $1.2 trillion annually in healthcare spending. Eliminating it would destroy the profitability of the current system.

Since the problem is structural, the solution must also be structural. We cannot reform a system whose business model is disease. We must replace it with one whose sole incentive is health.

2. The Structural Solution: The Fundamental Principle of the Common Health Fund (CHF)

For the Planetary Demarchy, the creation of the Common Health Fund is not understood as a healthcare "expense," but as the smartest, most fundamental, and most selfish investment a society can make in its own capital. It is the reallocation of resources from a system that extracts value from biological vulnerability to one that generates value by optimizing that same biology

The fundamental principle that underpins this transformation is simple and logically irrefutable:

"If biological risk is universal, its mitigation must be collective. And if it is collective, we are all 100% stakeholders."

This investment generates a double return. The individual benefit is direct: it ensures personal health and longevity, eliminating the main source of suffering and existential anxiety. But the collective benefit is even greater: a healthy and long-lived society is exponentially more prosperous, creative, and resilient; at the same time, medical and pension expenditures are dramatically reduced, and unimaginable human potential, currently held captive by illness and decrepitude, is unleashed. The operational model designed to put this principle into practice is detailed below.

3. The Operating Model: Pillars of Funding, Governance and Open Knowledge

The FSC's viability rests on three synergistic pillars, each addressing a fundamental flaw in the previous system and enabling the next. Primary Funding eliminates dependence on extractive business models; Hybrid Governance ensures this funding is directed toward ethical goals with technical efficiency; and Open Knowledge Ownership , the outcome of this funding, guarantees that progress benefits everyone, exponentially accelerating the return on the initial investment.

3.1 Financing: Primary Investment

The FSC is financed through a direct, priority allocation from the Common Fund, the reserve of value generated by all human activity. This mechanism is not a coercive tax, but rather an intelligent channeling of the flow of value toward its maximum utility: preserving and optimizing the biological vehicles that generate that value. Before any other expenditure or distribution, a democratically defined percentage is allocated to the FSC, ensuring that the health of human capital is society's primary and non-negotiable investment.

3.2 Governance: Synergy between Citizens and Expertise

FSC priorities are decided through a hybrid system that combines collective wisdom with expert knowledge, ensuring that the direction is ethically sound and scientifically efficient:

1. Citizen Assemblies by Lottery (AsC): Groups of citizens, selected randomly and on a rotating basis, define ethical missions and general social priorities. Questions such as "Do we prioritize extending longevity or eliminating chronic pain?" are decided at this level, ensuring that science serves human values.
2. Expert Panels + AGI/ASI: Teams of specialists, augmented by Artificial General Intelligence (AGI) and Superintelligence (ASI), translate ethical missions into concrete scientific objectives, design research timelines, and allocate resources with a precision and foresight impossible in the current system.
3. Radical Blockchain Auditing: Every euro invested, every decision made, and every result achieved is recorded on a public and immutable blockchain. This guarantees complete transparency and absolute accountability, eliminating corruption and inefficiency.

3.3 Knowledge Ownership: The Public Domain Revolution

This is the most radical and powerful transformation. The FSC does not fund patents, which are artificial monopolies on knowledge; it funds open research missions. The result of this policy is a revolution in the speed and scope of scientific progress:

"Any discovery generated by FSC —molecule, therapy, algorithm, procedure— instantly becomes World Heritage, absolute public domain."

The implications of this paradigm shift are monumental:

• Knowledge is shared globally in real time, creating a compound acceleration effect.
• The production of medicines and therapies becomes a commodity, eliminating monopolies.
• The prices of treatments plummet to approach their manufacturing and distribution cost, close to zero per dose.
• Access to the latest medical innovations is universal and immediate, without geographical or economic barriers.

These structural pillars create a robust and efficient system, but its true potential is unleashed when combined with the technological catalyst that will define this century.

4. The Exponential Catalyst: AGI/ASI as an Accelerator of Universal Health

The vision of the Common Health Fund is achievable even with current technology, although its full implementation would take centuries. However, the imminent arrival of Artificial General Intelligence (AGI) and Superintelligence (ASI) acts as an exponential catalyst, drastically compressing these timeframes from centuries to decades

The following table illustrates the magnitude of this acceleration at key milestones:

Key Milestone	Timeline without AGI/ASI	Timeline with AGI/ASI
Longevity Domain	100-200 years	5-15 years
Access to Gene Therapy	50-100 years	Integrated in 2030-2035
Definitive Cancer Cure	30-50 years	Integrated in 2030-2035
Complete Revolutions	Never (opposing incentives)	2040-2055

The impact of AGI/ASI on healthcare development is comprehensive. It enables an understanding of biological systems thousands of times faster, accelerates therapy design by orders of magnitude, and compresses clinical validation from a 10-15 year process to just 1-2 years.

Thanks to this acceleration, the implementation timeline places the achievement of the nine health revolutions between 2040 and 2055, making this transformation a tangible and attainable goal for the current generation. These are the revolutions that this synergy will make possible.

5. Return on Investment: The Nine Revolutions in Medicine and Health

These nine revolutions are not science fiction speculations, but the tangible, programmatic, and transformative returns on investment of the Common Health Fund. Each one is designed to eliminate a fundamental inefficiency or biological limit that the current system cannot—or will not—overcome.

Fundamental Biological Revolutions (Longevity, Immunology, and Genetics) The FSC will treat aging not as an inevitable fate, but as a curable disease, directly attacking its biochemical mechanisms. Simultaneously, it will reprogram the immune system to act as a super-intelligent surveillance and defense system, capable of identifying and destroying cancer cells before they form tumors and neutralizing any pathogen. Finally, precision gene therapy will correct thousands of inherited defects, eliminating the transmission of diseases from one generation to the next. These advances are not isolated; immune reprogramming is accelerated by genetic corrections, and both contribute to the radical extension of longevity, creating a biological reinforcement cycle.

System and Efficiency Revolutions (Administrative, Pharmaceutical, and Time-related): AI and advanced robotics will completely eliminate bureaucracy, reducing administrative costs from the current 50% to less than 5%. The pharmaceutical revolution will utilize population digital twins and reverse molecular design to create new drugs in 1-2 years instead of 15, with a 95% cost reduction. As a result, medical waiting times will be eradicated, providing access to global specialists in seconds. Together, these efficiencies free up the entire system's resources—financial, scientific, and human—to be dedicated exclusively to advancing health.

Revolutions in Patient Experience (Care, Diagnosis, and Neuromodulation): Healthcare will be radically decentralized, moving towards virtual hospitals and home monitoring. Molecular self-diagnosis, through personal digital twins, will detect diseases years before the onset of the first symptoms, when treatment is straightforward. Furthermore, brain-body interfaces will enable conscious control over previously autonomous processes, such as chronic pain. This synergy transforms the patient from a passive recipient into an active manager of their own biology, shifting the system's focus from reaction to proactive optimization.

These advances radically redefine what it means to be healthy, connecting directly with a new financial and ethical paradigm.

6. Impact and Viability: The New Financial, Ethical and Existential Paradigm

The benefits of the Common Health Fund transcend the clinical sphere to redefine the economic model of healthcare and the human experience itself. It is a comprehensive transformation that impacts finance, ethics, and our relationship with time

6.1 The Financial Revolution: Eliminating the Cancer of Intermediation

The most immediate and drastic financial impact comes from the complete elimination of health insurance, a parasitic intermediary that artificially inflates costs by 25% to 40% without adding any therapeutic value. This measure alone produces a massive reduction in spending, even before technological advances begin to generate savings. The transformation of key metrics is overwhelming:

Metric	Current System	Demarcated System (FSC)	Improvement
Cost per capita	~$12,000/year (USA)	$500-1,000/year	-92%
Therapeutic efficacy	~60%	>95%	+58%
Accessibility	50% of the population	100%	Universal access
Life expectancy	75-85 years	150-300+ years	+100-300%

6.2 The Ethical Transformation: From Market to Universal Right

The FSC is driving a fundamental ethical paradigm shift, replacing a model based on value extraction with one based on universal rights:

• From Privilege to Right: Access to optimal health and longevity ceases to depend on economic capacity and becomes a fundamental and inalienable right.
• From Competition to Cooperation: A system of trade secrets and patents, which slows progress, is replaced by an open science model where each discovery accelerates all others.
• From Artificial Scarcity to Real Abundance: Monopolies that create an artificial scarcity of treatments are eliminated, allowing the biological abundance that science already makes possible to reach everyone.

Ultimately, the existential implications are profound. A life without the imminent threat of old age and disease completely transforms the human relationship with time, learning, and intergenerational responsibility. It fosters a long-term vision and allows for multiple cycles of personal and professional reinvention across centuries. This is the logical and necessary choice before us.

7. Conclusion: Final Liberation as an Inevitable Investment

The Common Health Fund's proposal doesn't ask for permission; it asserts irrefutable logic. The radical truth is that the advances that today seem like science fiction—eliminating old age, curing all diseases, living for centuries in perfect health—don't require scientific miracles. They only require the elimination of the artificial obstacles (perverse incentives and patented knowledge) that the current system imposes to protect its business model

The FSC is the manifestation of the Principle of Least Action in human biology: it designs a system where the most efficient and ethical path is also the simplest and most economical. The definitive cure becomes the best investment, open research the most profitable strategy, and universal access the most cost-effective option. It requires no moral heroism, only a smart alignment of incentives.

The result is the final release of human potential, held hostage for millennia by biological vulnerability.

"The true measure of a healthcare system is not how much it costs, but how much suffering it prevents. The Common Health Fund will achieve both objectives: reducing costs to almost zero while maximizing well-being. The question is not whether we can afford this change, but whether we can afford not to."

Risk Analysis and Implications of the Common Health Fund (CHF)

1. Introduction: The Purpose of a Critical Analysis

The Common Health Fund (CHF) document presents a transformative and optimistic vision of universal health coverage, promising the eradication of disease and a radical extension of human life. However, the duty of responsible governance—such as that entrusted to the Citizens' Assembly—is to rigorously examine not only the promises but also the potential implications and risks before implementing a change of such magnitude. This analysis does not seek to refute the CHF's vision but rather to provide decision-makers with a comprehensive framework for informed deliberation, anticipating the challenges arising from its very premises.

The aim of this document is therefore to identify and assess the existential, ethical, social, and governance challenges inherent in the nine medical-pharmaceutical revolutions and the control structure proposed by the FSC. Based exclusively on the provided text, we will explore the tensions and vulnerabilities that could arise from redefining the fundamental conditions of existence. We will begin by analyzing those risks that affect the very essence of human experience.

2. Existential Implications: The Redefinition of the Human Being

2.1. Analysis of the Transformation of Human Experience

It is strategically crucial to begin the analysis with the existential implications. The FSC's proposal to eliminate old age and illness is not simply an extension of life, but a fundamental alteration of the conditions that have defined human experience, purpose, and psychology throughout history. Finitude, vulnerability, and the natural life cycle have been the driving forces of culture, art, philosophy, and social structure. Altering these pillars carries profound risks for both the individual and collective psyche.

2.2. The Risk of Existential Apathy and Loss of Meaning

The "Longevity Revolution" and the "Redefining Life Cycles" are presented as a liberation from the "existential threat" of old age, positing that "every phase is an opportunity for growth." This view, however, fails to consider whether an infinite opportunity, devoid of the structuring principle of finitude, becomes a paralyzing void. The awareness of limited time drives decision-making, the formation of legacies, and the prioritization of goals. In a time horizon that stretches across centuries, the fundamental question is: what would motivate continuous "growth" and "reinvention"? There is a tangible risk that the absence of a foreseeable end will lead to indefinite procrastination, apathy, and a widespread crisis of purpose.

2.3. Intergenerational Responsibility as a Paralyzing Burden

The document posits that an "Expanded Time Horizon" fosters responsibility, since an individual who will live 300 years must "face the consequences of their decisions." While this logic is appealing, its flip side presents a considerable risk: an extreme aversion to risk that could stifle innovation and progress. The fear of making mistakes with centuries-long consequences could generate paralyzing conservatism, discouraging exploration, social change, and the risk-taking necessary for the advancement of civilization. The burden of such prolonged responsibility might not be an incentive, but rather a hindrance.

2.4. The Fragmentation of Personal Identity

The "Neuromodulatory Revolution," which promises "conscious control of the autonomous," along with "multiple cycles of personal reinvention" (being a biologist at 50 and an artist at 150), poses an existential risk that transcends mere fragmentation. From a socio-scientific perspective, human identity is built upon a narrative identity , a coherent story that gives meaning to life. The FSC's proposals could dissolve the very possibility of a continuous self, turning life into a series of disconnected episodes

This raises critical questions that must be addressed:

• What constitutes the "self" if emotional responses, pain, and stress can be consciously modulated at will? Is a life without involuntary suffering a fully human life?
• If a person can completely reinvent themselves (from "biologist at 50, artist at 150"), what personal or legal continuity is maintained? Would the 250-year-old individual be responsible for the debts or crimes committed by their 75-year-old self?
• How can long-term relationships, such as family ties or romantic partnerships, be sustained if personality, memories, and emotional responses can be fundamentally altered through neuromodulation?

These challenges to individual identity will inevitably translate into tensions at a collective and social level, creating new ethical dilemmas that the system must be prepared to face.

3. Ethical and Social Equity Challenges

3.1. Introduction to the Ethical Dilemmas of Perfect Health

Although the FSC is presented as a universal system that transforms health from a privilege into a right, the implementation of such powerful technologies as gene editing and neuromodulation will inevitably create new and complex ethical tensions. Even with guaranteed access, unforeseen and profound forms of inequality could emerge, redefining social hierarchies not based on wealth, but on biological choices.

3.2. The Specter of Eugenics and the "Tyranny of Normality"

The "Genetic Revolution" promises "defect correction" through "perfect editing." The FSC document rightly criticizes the current system for making "human suffering its primary business model." However, there is a risk that the new system will create its own perversion: a model where natural human variation becomes a correctable defect . By offering "perfect editing," immense social pressure could be generated to conform to a genetic ideal, stigmatizing biological diversity and creating a new psychological and social "market" for enhancement, as coercive as the economic market it seeks to replace. The crucial question is: who defines what is a "defect" versus valuable human variation?

3.3. New Inequality Gaps: The Risk of Choice and Transition

Assuming universal and free technological access, the FSC model could still generate two significant forms of social inequality:

• Inequality by Conviction: A fundamental social conflict would arise between those who fully embrace FSC technologies and those who reject them for philosophical, religious, or personal reasons. This raises the risk of creating divergent biological cohorts within the same society, generating profound biological stratification between groups with radically different capacities and life expectancies. How would a society be managed where one part of the population lives for centuries while another chooses a natural life cycle?
• Transitional Inequality: The FSC's own timeline, with the implementation of AGI (2027-2035) and ASI (2035-2040), establishes a transition period of almost three decades. During this time, an inevitable gap will open up between generations that have access to these technologies from birth and those that only gain access later in life. The document does not address how the social and psychological strain will be managed for a generation that sees its children born with the promise of a life without old age, while they themselves face a traditional biological destiny.

3.4. The Definition of "Health": Scope and Limitations

The FSC is based on the concept of "Health as a Universal Utility," but the ambiguity of this term is a potential source of conflict. The Citizens' Assembly must define its scope and limits with extreme precision. The following questions are critical:

1. Does "perfect health" include mental health? If so, where do you draw the line between treating a pathology like depression and modulating personality traits like melancholy or anxiety, which many consider part of the human experience?
2. Is cognitive or physical enhancement considered part of the "right to health"? The governance proposal explicitly raises the question, "Do we prioritize longevity over cognitive enhancement?", implying that enhancement is an option to be considered. What are the social risks of creating a population with artificially enhanced cognitive abilities?
3. If resources, however abundant, had to be prioritized, how would one decide between extending the life of a 300-year-old individual by 10 years or curing a rare, non-lethal disease that causes chronic suffering?

These fundamental ethical dilemmas must be resolved by a governance system, whose own structural risks deserve a detailed examination.

4. Risks Inherent to the Governance and Control Model

4.1. Analysis of the Hybrid Governance System

The effectiveness, legitimacy, and security of the entire FSC system depend on the robustness of its decision-making structure. A model that combines randomly selected citizens, expert panels, and Superior Artificial Intelligence (SAI) to manage the most powerful technologies in history presents a unique and complex set of vulnerabilities that must be anticipated.

4.2. The Paradox of Citizen Deliberation

The mechanism of "Citizen Assemblies by Lottery (AsC)," with citizens rotating monthly, is designed to ensure democratic control over "ethical missions." However, this presents a paradox: is it reasonable to expect that a group of citizens without specialized training, with a mandate of only one month, can make binding ethical decisions on issues of unprecedented complexity? There is a significant risk that these assemblies will be susceptible to manipulation, populism based on simplistic arguments, or paralysis due to indecision in the face of the overwhelming magnitude of the issues raised.

4.3. The Opacity of the Technical Decision: The Risk of the "Oracle" ASI

The FSC model divides the work: Citizens' Assemblies define ethical missions, and the "Expert Panels + AGI/ASI" translate them into scientific objectives. The fundamental risk lies in the fact that the line between an "ethical" and a "technical" decision is often nonexistent or, at best, very blurred. A seemingly technical decision about which research path to pursue can have profound ethical consequences unforeseen and ununderstood by the Citizens' Assembly. There is a danger that the ASI will become a "black box" or an oracle whose technical recommendations cannot be effectively questioned or understood by its human supervisors, leading to a de facto algorithmic technocracy.

4.4. The Illusion of Control: Limits of Radical Auditing

The "Radical Audit: Blockchain + ASI" proposal is presented as the ultimate solution for transparency, claiming that "trust is no longer based on faith, but on mathematical certainty." This postulate is not merely hyperbole, but a fundamental misrepresentation. While financial traceability on blockchain audits the "what" (the destination of spending), it is incapable of monitoring the "why" (the logic behind the decision). If an ASI allocates resources, the blockchain will only record the outcome of an inscrutable line of reasoning. The proposal does not eliminate faith; it simply transfers it from fallible human institutions to an algorithmic oracle perceived as infallible but functionally incomprehensible. This is not control, but an illusion of control.

Therefore, the vulnerabilities of the governance model do not exist in isolation; they create the very conditions under which existential and ethical dilemmas—from the dissolution of identity to the emergence of a new eugenics—could be resolved by an unaccountable techno-authority, emptying democratic deliberation of its content.

5. Conclusion: Framework of Critical Issues for Deliberation

5.1. Summary of Fundamental Risks

This analysis has identified three interconnected risk domains in the Common Health Fund proposal: 1) the transformation of individual identity and life purpose, which could lead to a civilizational crisis of meaning; 2) the emergence of new and profound ethical dilemmas and forms of inequality, even in a universal access system; and 3) the structural vulnerabilities of the proposed governance model, which could lead to a significant loss of human control over the most critical decisions for the future of the species.

5.2. Essential Questions for the Citizens' Assembly and the Expert Panels

To guide future deliberation and ensure responsible FSC development, the following critical questions are proposed:

1. On Human Purpose: What mechanisms or social structures will be created to help individuals navigate a lifetime of centuries without falling into existential apathy or loss of meaning?
2. On Equity: How will "biological diversity" be defined and protected in an era of gene editing, and what safeguards will be put in place to prevent social coercion towards "improvement"?
3. Regarding Identity: What will be the rights and limitations of neuromodulatory control over one's own personality and sensory experience in order to preserve identity and individual responsibility?
4. On Governance: How will meaningful human oversight and veto power be ensured over the ASI's "technical" decisions, especially when their logical foundations are too complex to be fully understood?
5. Regarding the Transition: What plan is in place to manage the massive socio-economic disruption and inevitable inequalities that will emerge during the decades of FSC implementation before access is truly universal and stable?

5.3. Final Declaration

The aim of this risk analysis is not to hinder progress or reject the potential of the FSC. Its purpose is to ensure that the transition to this new health paradigm is as ethical, fair, and humanely sustainable as it is technologically advanced. The questions raised here should not be seen as obstacles, but as the indispensable starting point for a serious and in-depth deliberative process. The future of human experience depends on these issues being addressed with the same rigor with which scientific progress is pursued

The Diagnosis: Terminal Healthcare System

The Perverse Contradiction That Kills Millions

The current medical-pharmaceutical system suffers from the most perverse of structural contradictions:

It makes human suffering its main business model.

It is not designed to create health. It is designed to manage disease .

• A cured patient = a lost customer
• A chronically ill person = perpetual income stream

This fundamental distortion has corrupted the entire global healthcare system:

• Pharmaceutical companies invest more in marketing than in research for definitive cures.
• Treatments for chronic diseases receive massive funding while cures remain languishing.
• Medical knowledge is fragmented and hidden behind walls of patents and restricted-access publications.
• Innovation advances where the money is, not where the human need is.
• 30-50% of resources are diverted to intermediaries with no therapeutic value
• Perpetual treatment is valued over a definitive cure.
• Access depends on wealth, not need.
• Artificially inflated prices hidden behind deliberate complexity

The Brutal Drain

Between 30-50% of all global healthcare resources are diverted to intermediaries with no therapeutic value:

• Extraction Insurance: 10-15% of the cost in parasitic intermediaries
• Bureaucratic Inefficiency: 25-35% in paperwork, inefficient coordination, duplication of data
• Patent Monopolies: 15-25% in knowledge protections, artificial limitation of supply
• Pharmaceutical Marketing: 10-20% in advertising vs. actual research
• Price Speculation: 5-15% in artificial cost inflation

The result: You pay 80-95% more for health than it should cost in an efficient system.

Meanwhile:

• 9 million people die annually from curable diseases due to lack of access
• 5 billion people lack access to basic essential treatments
• Rare diseases affecting 400 million people remain without treatment because "they are not profitable"
• The geriatric system is collapsing under the weight of degenerative diseases that could be prevented.

The Awkward Question

Why can't a society that can send machines to Mars prevent old age?

Not because it's technically impossible. Because it's not profitable for anyone with decision-making power.

Old age generates $1.2 trillion annually in healthcare spending. Eliminating it would destroy the profitability of the entire system.

In the current system, the question is not whether we can afford to eliminate old age, but whether we can afford not to eliminate it.

The Structural Transformation: FSC

The Fundamental Principle

The Common Health Fund is based on a simple but revolutionary premise:

If biological risk is universal, its mitigation must be collective. And if it's collective, we are all 100% stakeholders.

The FSC is not a healthcare "expense." It is the most selfish and collectively intelligent investment a society can make.

• Individually: Ensure your personal health and longevity
• Collectively: A healthy and long-lived society is a more prosperous, creative, and resilient society.

FSC Structure

Funding: Primary Investment

The FSC is funded through priority allocation from the Common Fund :

1. All economic activity generates value. 2. Before any other expenditure or distribution , a percentage is allocated to the FSC. 3. The remainder finances the administration of the commons (infrastructure, education, etc.). 4. Final residue is distributed as a planetary dividend.

This is not coercive extraction or a tax. It is the channeling of the flow of value towards where it will be most useful: in preserving and optimizing the biological vehicles that we are.

Governance: Citizenship + Expertise

FSC priorities are decided through a hybrid system:

1. Citizen Assemblies by Lottery (AsC):

• Monthly rotating citizens define ethical missions and social priorities
• "Do we prioritize longevity over cognitive enhancement?"
• "Do we prioritize prevention over treatment?"
• They monitor where every euro goes and what is achieved.

2. Expert Panels + AGI/ASI:

• They translate ethical missions into concrete scientific objectives.
• They allocate resources to research based on expected impact
• They design development schedules
• They coordinate with global research teams

3. Radical Transparency in Blockchain:

• Every euro of FSC funding is traceable in real time
• Every decision is publicly auditable.
• Each result is verifiable by anyone

Knowledge Ownership: Radical Revolution

The most radical transformation of the FSC is that it doesn't fund patents, it openly funds missions :

Any discovery generated by FSC —molecule, therapy, algorithm, procedure— instantly becomes World Heritage, absolute public domain.

Cascade implications:

• Globally shared knowledge: Discoveries accelerate research on other fronts
• Production without competition: Medicines and therapies are manufactured as commodities, not monopolies
• Prices close to zero: Without patents, the cost is simply manufacturing
• Immediate universal access: There are no geographical or payment restrictions

The Nine Medical-Pharmaceutical Revolutions

Context: The Leap Accelerated by AGI/ASI

Without AGI/ASI:

• Longevity: 100-200 years to master the biology of aging
• Gene Therapy: 50-100 years for universal access
• Cancer Cure: 30-50 Years of Fragmented Research
• Complete revolutions: Never in practice , the system has counterproductive incentives

With AGI (2027-2035) and ASI (2035-2040):

• Understanding biological systems: Thousands of times faster
• Therapy design: Acceleration of 100-1000x
• Clinical validation: From 10-15 years to 1-2 years
• The 9 complete revolutions in 2040-2055

1. Longevity Revolution: Elimination of Old Age

The Diagnosis: Old Age as a Curable Disease

Old age is not an inevitable fate. It is a set of specific biochemical processes that can be slowed down, stopped, and potentially reversed .

The current system invests 70-85% of global health spending in treating degenerative diseases of old age:

• Heart failure
• Alzheimer's and dementia
• Osteoporosis
• Age-related cancer
• Chronic inflammation

The paradox: We treat symptoms of a process that could be completely prevented

The Mechanism: Specific Biological Processes

Science has already identified exactly what goes wrong in aging:

1. Senescent cells: "Zombie" cells that neither die nor function, poisoning surrounding tissues. 2. Shortened telomeres: Cell "fuses" that shorten with each division, limiting regeneration. 3. Epigenetic disorder: The "software" that controls which genes are expressed becomes corrupted. 4. Damaged mitochondrial DNA: Cellular batteries lose efficiency, degrading everything. 5. Misfolded proteins: Toxic protein aggregates (similar to Alzheimer's) accumulate. 6. Chronic inflammation: A perpetual immune response that slowly destroys tissues. 7. Telomere shortening: The limit of cell replication reached. 8. Loss of homeostasis: Global regulatory systems lose precision.

The Role of AGI/ASI

Each intervention requires understanding systems of overwhelming complexity:

• Comprehensive aging modeling: AGI simulates millions of cells aging in parallel, identifying invisible patterns
• Design of perfect senolytics: Molecules that eliminate zombies without harming healthy cells, optimized in days vs. decades
• Safe epigenetic reprogramming: ASI understands the cellular "rejuvenation code"
• 100-Year Prediction: Simulation of centenarian aging in hours, eliminating risks

Timeline:

• Without AGI: 100-200 years or never
• With AGI: 5-15 years for universally accessible comprehensive therapies

The Result: Extended Longevity

Old age as a clinical category: eliminated

• 70-85% reduction in current healthcare spending (degenerative diseases disappear)
• Lives extended to centuries, not decades
• Permanent cell regeneration (the body is constantly repairing itself)
• A new relationship with time and learning

Related: Existential Implications

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2. Immunological Revolution: Superintelligent Defense Systems

The Mechanism: Reprogramming Your Inner Army

The immune system is the most complex system in the body after the brain: trillions of immune cells with thousands of different types interacting in a molecular dance of unimaginable precision.

Today it's trained against historical pathogens. Tomorrow it can be trained against anything you want.

1. Universal adaptive immunity: An immune system trained against any existing or emerging pathogen

2. Cancer surveillance: White blood cells trained to identify and destroy cancer cells before they form tumors

3. Response modulation: Elimination of excessive reactions (allergies, cytokine storms)

4. Permanent adaptive defense: Your own body is the perfect defender

The Role of AGI/ASI

• Complete immunological mapping: Every cell type, every interaction, every molecular signal at atomic resolution
• Personalized therapeutic vaccines: AI analyzes your specific cancer, designs immune training in hours
• Pathogen prediction: ASI analyzes global viral evolution, designs defenses before outbreaks
• Precise modulation: Algorithms that teach perfect distinctions between invader and self tissue

The example of cancer:

Today: Developing immunotherapy takes years and costs millions.

Tomorrow: Personalized therapeutic vaccine designed in hours, your body is the cure.

Result: Elimination of infections, cancer, and autoimmunity as clinical categories

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3. Neuromodulatory Revolution: Conscious Control of the Autonomic

The Mechanism: Brain-Body Interfaces

What is involuntary today becomes conscious:

1. Pain control: Without analgesics, direct neural modulation

2. Inflammatory regulation: Conscious immune management without anti-inflammatories

3. Allergy modulation: Control of responses without antihistamines

4. Stress Management: Neuromodulation without anxiolytics

5. Physiological control: Blood pressure, hormones, metabolism under conscious control

It completely eliminates entire categories of symptomatic medications that represent billions in annual spending.

The Role of AGI/ASI

• Neural decoding: Exactly which neural patterns control which processes
• Bidirectional interfaces: Devices that read and write the language of the nervous system
• Super-intelligent biofeedback: Personal AI that trains you to consciously control what was previously automatic
• Chronic pain elimination: ASI disconnects chronic pain circuits while preserving useful acute pain

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4. Healthcare Revolution: Virtual Hospitals

The Mechanism: Radical Decentralization

The healthcare infrastructure is being completely transformed:

1. Healthcare-based domestic robots: We all have domestic robots connected to specialized medical AI

2. Superior home monitoring: Diagnostic capabilities superior to current hospitals

3. Robotic telesurgery: Complex surgeries performed remotely without patient displacement

4. Efficient Hospitalization: Ultra-optimized physical centers where needed

5. 24/7 Attention: Constant supervision without human fatigue

The Result

• 80-90% reduction in operating costs
• Superior quality to current hospitals
• Elimination of medical errors (third leading cause of death today)
• Eradication of nosocomial infections
• Patient experience: from frustration to complete satisfaction

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= The Mechanism: Your Body is a Laboratory

Continuous non-invasive monitoring of thousands of biomarkers simultaneously:

1. Personal Digital Twin: A complete simulation of your biology that predicts responses to treatments, diets, and exercise.

2. Ultra-early detection: Identification of cancer, Alzheimer's, diabetes... years before symptoms appear

3. Multiomics diagnosis: Simultaneous analysis of genome, proteome, metabolome, microbiome, epigenome

4. Elimination of diagnostic errors: Today it causes 12 million errors/year in the US. Tomorrow: zero

The Example of Cancer

Today: Detected when it is already a tumor of millions of cells

Tomorrow: First cancerous cell detected when it appears, trivially removable

Ultra-early detection = easy cure

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6. Genetic Revolution: Correction of Defects

The Mechanism: Perfect Edition

Gene therapy that corrects thousands of inherited defects:

1. Refined CRISPR Editing: 100% Accuracy, Zero Off-target Effects

2. Personalized medicine: Therapies optimized for your specific genome

3. Single-dose treatments: One application replaces lifelong medication

4. Multigenerational correction: Elimination of transmission of hereditary diseases

The Role of AGI/ASI

• Complete genomic annotation: Exact function of each genetic variant in each context
• Perfect editor design: CRISPR enhanced with atomic precision
• Prediction of epistatic interactions: How thousands of genes interact, prediction of multiple effects

Result: 7000 rare diseases with effective treatment in <10 years (today: only 5% have treatment)

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7. Administrative Revolution: Disappearance of Bureaucracy

The Mechanism: Digital Nervous System (DNS)

1. Single Database (SDB): All medical records unified, accessible in real time

2. Healthcare AI-AdC: Executes in seconds what takes weeks in current bureaucracy

3. Elimination of competitive coding: Instant and invisible procedures for the patient

4. Perfect coordination: Specialists without duplication, without prior authorizations, without waiting time

The Impact

In the US, ~50% of healthcare costs are administrative.

With AGI: That percentage drops to <5%.

Releasing billions of USD for real care

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8. Pharmaceutical Revolution: Open Medicine

The Current Problem

Current clinical trials:

• 7-10 years duration
• 40-60% of total cost (>$1 billion per drug)
• 90% failure rate after investment
• They expose humans to significant risks

Total: decades for a drug, hundreds of billions spent

The Explosive Convergence: AGI/ASI + Quantum Computing

= 1000x acceleration in pharmaceutical development

Superintelligent Population Digital Twins

An ASI simulates:

• Every genetic variant and effect on metabolism
• All possible drug interactions
• Long-term effects (decades) simulated in days
• Special populations (pregnancy, children, rare diseases)

Result: Perfect safety without human guinea pigs

Reverse Molecular Design

Instead of testing molecules at random:

• ASI understands the exact molecular mechanism of the disease
• Design the perfect molecule to disrupt it
• Simultaneously optimizes pharmacokinetics, pharmacodynamics, and toxicity
• Generates a molecule with ideal properties in the first iteration

No more trial and error. Perfect rational design from the start.

Complete Digital Clinical Trials

Phase	Traditional	Digital
Phase I (Security)	1-2 years	Days (simulation of millions of virtual patients)
Phase II (Efficacy)	2-3 years	Weeks (virtual cohorts with disease)
Phase III (Confirmation)	2-3 years	Months (massive virtual populations)
Total	10-15 years	1-2 years
Cost	>$1 billion	$50-100 million (-95%)
Success rate	~10%	>90%

The Transformation of the Pharmaceutical System

In the Demarchy:

• Massive personalized medicine: Drugs optimized for your genome, designed in days
• Elimination of patents: Open source knowledge, anyone can manufacture
• Local biofabrication: Decentralized production in community facilities
• Incorruptible prescribing AI: Algorithms that recommend optimal treatment, immune to commercial incentives
• Massive parallel development: Thousands of treatments for rare diseases simultaneously

Result: Any new drug, within months, universally available, with near-zero marginal cost

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9. Temporary Revolution: End of Medical Waiting

The Current Problem

6-month waits for specialists. Months waiting for diagnostic results. Years on waiting lists for surgeries. Time is rationed as a scarce commodity, disproportionately affecting the poor

The Mechanism: Infinite Scalability

1. Infinitely scalable medical AI: A specialized AGI can serve millions simultaneously without degradation

2. Perfect demand forecasting: ASI anticipates outbreaks and preemptively redistributes resources

3. Optimal prioritization: Algorithms based on actual medical urgency, not order of arrival

4. Routine automation: 80% of queries are standard cases that AGI resolves

The Result

• Waiting time: zero in virtually all cases
• Unlimited consultations: Access to global specialists in seconds
• Instant diagnosis: Results while you wait
• Personalized treatment: Designed specifically for you during the consultation

"Today: 6 months waiting for a specialist. Tomorrow: 6 seconds."

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Implementation Schedule

No AGI/ASI

• Longevity: 100-200 years
• Gene Therapy: 50-100 years
• Cancer Cure: 30-50 years
• Full revolutions: Never in practice
• Reason: Current system incentives opposed to a definitive cure

With AGI (2027-2035) + ASI (035-2040)

Milestone	Period	Layers Completed	State
Early AGI	2025-2030	Pharmaceutical and Diagnostic Revolution	New treatments every month
AGI matures	2030-2035	Longevity, Genetics, Immunology	First centenarian lives
Early ASI	2035-2040	Neuromodulatory, Assistive	Conscious control of biology
This is how it matures	2040-2055	All integrated, universal access	Perfect health as a right

It's not the distant future. It's a transformation that people alive today will witness.

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The Financial Revolution: Total Elimination of Insurance

The Cancer of the System: Parasitic Intermediation

Health insurance companies artificially inflate costs by 25-40% without adding therapeutic value:

• Competitive coding: Maximizing revenue vs. actual health
• Denial of coverage: "Finding reasons not to pay" is a business model
• Defensive medicine: Doctors protecting themselves from lawsuits instead of providing optimal treatment
• Information fragmentation: Data does not flow, massive duplication

The Demarchic Solution: Total Elimination

• No intermediaries: Patients connect directly with providers
• Transparent costs: Perfectly clear and public
• End of adversarialism: Medicine oriented towards real well-being
• Information integration: Data flows freely, zero duplication

Immediate Result

25-40% reduction in total costs just by eliminating insurance, before implementing technological revolutions

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Existential Implications

Transformation of the Human Experience

Eliminating old age, disease, and pain doesn't just lengthen life. It completely transforms how we live

Expanded Time Horizon

• Life expectancy in decades → in centuries
• Decisions naturally incorporate the long term
• End of destructive short-termism: you will see the consequences of your actions

Intergenerational Responsibility

• Today: "Let the next generation solve it"
• Tomorrow: You will live 300 years. You will face the consequences of your decisions.

New Relationship with Knowledge

• Learning is not a 20-40 year career
• They are multiple cycles of personal reinvention throughout the centuries
• Successive Master's degrees: biologist at 50, artist at 150, scientist at 300

Redefining Life Cycles

• Childhood: Training in fundamental skills
• Early adulthood (50-150 years): Experience, creation, impact
• Renaissance (150-250): New career, new mastery, reinvention
• Legacy (250+): Transmission of wisdom, mentorship, synthesis

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FSC Governance: The Citizens' Assembly

Ethical Decisions: Citizenship

The monthly randomized Citizenship Association decides:

• Research priorities ("Longevity or prevention?")
• Resource allocation ("50% cancer cure, 30% longevity, 20% chronic pain?")
• Speed ​​of implementation ("Wait for full security or accelerate with known risk?")

Technical Decisions: Experts + ASI

Expert panels translate missions into objectives:

• What specific research to pursue
• Development Timelines
• Global Team Coordination

Radical Audit: Blockchain + ASI

• Every euro: Traceable in real time
• Each discovery: Publicly auditable
• Each result: Verifiable by anyone

"Confidence is no longer based on faith, but on mathematical certainty."

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The Result: Health as a Universal Utility

In the Planetary Demarchy, health is not a commodity rationed by ability to pay. It is a guaranteed right, as basic as drinking water.

Metric Transformation

Metric	Current System	Demarchic	Improvement
Cost per capita	$12,000/year (US)	$500-1,000/year	-92%
Therapeutic efficacy	Average 60%	>95%	+58%
Accessibility	50% of the population	100%	Universal access
Waiting time	6+ months	Minutes	Removed
Life expectancy	75-85 years	150-300+ years	+100-300%
Avoidable mortality	9 million/year	<100,000/year	-99%

The Obsolete Notion of "Healthcare Costs"

The Demarchy will make the notion of "healthcare costs" as obsolete as talking about the "cost of the air we breathe."

Health will simply be the normal state. Illness, the exception, will be treated trivially when it occurs (rarely).

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The Ethical Transformation: From Market to Law

From Privilege to Universal Right

Current system: Access based on economic capacity

Demarchy: Optimal health and longevity as fundamental rights

From Competition to Scientific Cooperation

Current: Patents, trade secrets slow progress

Demarchy: Open science where each discovery accelerates the next.

From Artificial Scarcity to Real Abundance

Current situation: Treatment shortages created by monopolies

Demarchy: Biological abundance that science now makes possible reaches everyone

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Conclusion: The Final Liberation

The Central Question

Why is a system designed to keep me sick called "healthcare"?

The current system is designed not to maximize health, but to extract value from illness.

The Demarchy reverses this perverse equation:

• Instead of a system that thrives on disease → one that flourishes with health
• Instead of rationing care based on payment → guarantee perfect health as a right
• Instead of fighting against biological limits → transcend them completely

The Radical Truth

What seems like science fiction today:

• Eliminate aging
• Cure cancer completely
• Live healthy for centuries
• Universal access to perfect medicine

It doesn't require scientific miracles. It only requires removing artificial obstacles that currently prevent technology from reaching its full potential.

Application of the Principle of Least Action

The FSC designs the system to make doing the right thing as simple as possible :

• The most efficient path (open research) is the most profitable
• The broadest (universal) access is the most economical
• The definitive cure (eliminating disease) is the best investment

It doesn't require moral heroism. It only requires an alignment of incentives.

The Vision for 2055

A humanity where:

• Health is a right, not a privilege
• Old age is ancient history
• Medical knowledge has no owners.
• Premature death is almost nonexistent
• Longevity allows for lifetimes of endless learning and reinvention.

"The true measure of a healthcare system is not how much it costs, but how much suffering it prevents. The Demarchy will do both: reduce costs to almost zero while maximizing overall well-being. The question is not whether we can afford this change, but whether we can afford not to."