SvB E197 United Healthcare's System Broken Beyond Repair? Artwork

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SvB E197 United Healthcare's System Broken Beyond Repair?

December 23, 2024 • Theo Harvey | Mr Benja

In this episode of Show vs. Business, we dive deep into the ongoing United Healthcare's Issue.

From denied insurance claims to public outrage, they unpack the economic misalignments, social media reactions, and potential reforms.
With real-world insights and thought-provoking discussions, this is a must-listen for anyone navigating the complexities of modern healthcare.

Join us as we reflect on the year, explore holiday memories, dive into healthcare frustrations, discuss influencers, AI, and content creation, and wrap up with insights into social media and insurance trends.

00:00 Introduction to Show Versus Business
00:25 Reflecting on 2025 and Personal Milestones
02:40 Deep Dive into Raw Dogging and Being in the Mix
04:18 Holiday Traditions and Christmas Movies
17:55 Healthcare System Woes and United Healthcare Controversy
27:04 Insurance and Healthcare Challenges
28:03 Frustrations with Medical Billing
29:30 Social Media Reactions to Healthcare Issues
30:32 Public Outrage and Legal Consequences
32:25 Political Implications of Healthcare
33:43 The Role of Influencers and Gurus
39:58 AI and the Future of Content Creation
43:33 The Rise of AI in Social Media and OnlyFans
52:44 Reflections and Future Plans

#ShowVsBusiness #PopCulture #GapAndGain #AIRevolution #2025Reflections #Podcast #UnitedHealthcareControversy

YouTube link to this Podcast Episode:
https://youtu.be/5OV4PsoyIU0

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Introduction to Show Versus Business

Real Theo Harvey: This is show versus business where pop culture meets pop money. We host the real Theo Harvey and Mr. Benja. Mr. Benja. What's been going on? It

Mr.Benja: is the end now Of 2025. Don't get too excited over there. Some of y'all were about to be like, Oh no, the end is nigh. Not like that. We're not fear mongering or anything like that, but no, it's getting towards the end of things, man.

Reflecting on 2025 and Personal Milestones

Mr.Benja: And I am, I don't know how to feel about this year. Usually I have definite thoughts, but a lot's gone on this year, internally, externally with different people. I know with stuff in the media, with us and this podcast, everything's been. Yeah. I'll say. Course, just recently we got, the healthcare discussions because the United healthcare guy got somebody decided his game was over I was trying to find new ways to say that, and we're the guru life is changing over just a lot of little things happening, but there's so many little things. It feels like a lot. I don't know. That's not just me. I know that, but let's just jump into it, man. How are you doing, man? How was your week?

Real Theo Harvey: Man, my week was good, man. Thanks for asking. Last weekend I celebrated the birthday.

And my birthday always corresponds with the end of the year. And so I started getting extremely reflective, man. I think, you and I share that kind of side of it, but it's always good to just think through, The lifespan of a year. And you just like, man, there's so much I did this year, man.

And then you look back 10 years ago. You're like, wow, I did a lot in the last 10 years. Who knew? And I always think back to that quote. I don't know if it was Mark Zuckerberg or somebody, you always overestimate what you can do in a year and underestimate what you can do in 10 years. And so Bill Gates, thank you.

So not, we don't give Zuck any more credit, but yeah, so I'm super excited about 2025 man. Can you believe we were actually in the future, man? It's crazy. This is We're quarter way through the two two hundred two hundred thousands And here it is we're in the future man.

And so I don't know about you but always in december I'm, just full of so many ideas man, like literally today I said, oh man, I love today man. Yes, It's, I don't really have a lot to do with the kids. My wife, is relaxing. I got my mother in law in town. I like, man, I could just geek out for two hours.

And that I got up early, did some work, hung out with the kids, came back home, did some more work, man. I did deep dives, man. You know how you just, you know how you just take that time. You just I'm just going to, dive into some stuff. Yeah, man. I love it. Yes. I was in there.

Matter of fact, some of that might pop up on this podcast, but yeah, man, I was deep diving today and it was good, man. I like that.

Deep Dive into Raw Dogging and Being in the Mix

Real Theo Harvey: It's we always talk about this raw dog and being in a mix. And it's

Mr.Benja: yeah,

Real Theo Harvey: I'm, So if you guys don't know, raw dog basically is when you're like going deep dive, you're trying to understand a concept, an idea, and so you're taking time to unpack it, think about it, reflect on it, and then there's a time where you're just in the mix, where you're just being out there, hustling, talking to folks, just trying to make things happen.

The two are two different modes.

Mr.Benja: You can even relate that to in case anybody's wondering, we did this way before Hermosi, by the way, we came up with this, but he has his version of maker time and manager time, which corresponds to, being raw, being a raw dog or being in the mix. Sorry, I just had to throw that in there in case some Hermosi fans thought we were biting.

Real Theo Harvey: No, you good point, man. You're right. We get what I, and her Mosey got that from Y Combinator founder, right? I forgot who it was. But yeah, so yeah we knew about this guys, college decades ago. Yes. So we probably, if we were. Owner of Y Carbonator people, Mosey would have been taking it from us, but anyway, I digress, but yeah, man, when you get that time where you can just be a raw dog and just soak up knowledge, he's I'm going down this path, I'm going down this path and he's what happens here?

And then you just like just soaking that stuff up and just, just letting the data and the information just take you where it needs to take you. That's nothing, it's just good to be in that mode. Cause as a person that runs a company and dealing. So many people all the time is hard to get those moments when you could just really, deep dive and be in that flow state for like several hours.

So that's always fun. But yeah, man. So super excited. Got a lot of ideas. A lot of things on my plate. Super excited about that. And then also, man one of the things.

Holiday Traditions and Christmas Movies

Real Theo Harvey: Just catching up on Christmas movies putting up Christmas lights, putting up the I don't have my Christmas hat on.

I probably could put it on, but I have still have younger children, and so they always want the Christmas lights to go up. I could take it or leave it sometimes be honest with you, but I do it anyway.

Mr.Benja: So do they participate in the, how do they participate in the putting up of the tree?

Real Theo Harvey: Pretty much Dad do it. didn't phone. Okay. I'll worry ,

Mr.Benja: because my dad used to do it like all the time. That used to be his thing. And my mom would just sit it's funny, my mom would sit in the. The living room with my dad and just talk to him while she's sipping on tea. And he's working on the whole tree.

He's yeah, surely, blah, blah, blah. And she's just and and it was this weird bonding moment they had where they would always just. Put the tree together. My mom didn't do anything, but my dad was putting the tree together and, my mom was coaching or whatever. But at some point my dad was like, what's up here.

You should try putting this together. And he was sitting on the couch with my mom while I was putting up the tree. And I was like, wait a minute, I'm putting up the tree now. It's ever since that moment, I would always put up the tree and my parents had nothing to do with it after that.

Real Theo Harvey: Oh, wow. Yeah, it was totally,

Mr.Benja: it was like a one person.

Job.

Real Theo Harvey: Did you guys have a real tree or a fake tree?

Mr.Benja: No, we, my mom wanted to rock with the same tree for seven years, eight years in a row. So she was trying to get all the life out of it. She could.

Real Theo Harvey: Yeah. My, my wife is more of a fake tree person. I'm more of a real tree. Cause I like that smell in the house.

I like just, going out there, picking the tree. I just, that's what I grew up on. This year, we already had a fake tree. I think we had it during the pandemic. So I found it. And this, I just put it up this year, my wife, to, appease me. She said, I found some spray on Amazon that smells like a real tree.

Mr.Benja: That's a lovely gesture.

Real Theo Harvey: It's she's spraying, I'm like, Oh my God, what is this smell? So it's just it's that fake phony smell, but I guess it's something. But yeah, man it's yeah. Christmas time, man. It is. You have these traditions, I come from a big family. So there's tons of things that we do getting ready for the holidays.

And we do exchange a gift exchange. Cause we were so many of us, you can't buy gifts for everybody. So we do a gift exchange for everybody and we give gifts for the kids. So we do two Christmases, one at our house and one at their house. So we'll talk more about that maybe on a Christmas episode, but yeah, I'll Super excited.

So we put the Christmas tree up and so the kids wanted to watch home alone. Crazy movie probably would get canceled now if we watched it out of surprising trivia home alone to Donald Trump shows up. For a brief cameo when yeah, Kevin McAllister is lost in New York for, but basically beat for beat similar to home alone one, but but it's always charming when he finally meets his mom again, he becomes a little kid.

And so the kids always love that kind of journey. I can remember, man, see this how old are we are? I can remember, I saw the trailer. I can remember this. I saw a trailer for home alone one. I said, I'm not seeing that crap. It just looks stupid. But then it is so well in the box office that I had to go see it and just see what the hubbub was.

And that was my first experience of I had, I had to go see it based on FOMO.

And

now that's, what's driving a lot of. Movie watching now, right? It's like that first opening weekend. People are talking about excited about it The second weekend people will say oh, I gotta go watch it right because people are talking about it So so yeah, I think that and matrix Those are the two movies I can remember matrix was because I saw the trailer and that trailer got me so hyped because they were Saying well, no one can be actually You know you can't be told what the matrix is or something like that.

Yeah.

I like, I guess I gotta go see that movie. So it's, so yeah, early movie watching, man, you can see the seeds of where we are now when it comes to hyping people to want to go watch movies. And so Chris's movies. Home Alone 1, Home Alone 2. I think we got some other ones we watched. What's that other one?

The Christmas Story? Do you have a how about this? We'll save it for another pod, man, about favorite Christmas movies. But but yeah, anyway. Super excited about that, man. What about you? How was

Mr.Benja: If you want to run that in, what do we got what do we got to do? Our schedule is Our schedule's packed up, so might as well do it now.

Christmas movies.

Real Theo Harvey: The schedule's packed. Oh man. See now you put me on the spot, man. I don't know. I always have a fondness for like star Wars around Christmas because of, they always, for the last several years, they always had star Wars popping up. I'm partial to watch the Holy Trilogy, right?

Get hype again. Yeah. Luke, I'm your father. So I'll watch those. I don't know if there's a, then that technically a holiday movie, but yeah, that's up on my list. I would say also die hard. I mean that, that was, that just was genre changing, right? Because it basically was a hard R. Action film during the holidays.

So basically oh, this pop up headshots, right? It's yeah, so that changed the genre, man. So those are more like harder to the left field. Anything that I watch, be honest, I don't see, I'm not like a big kind of I got to watch this, like some people like Elf every year with what's his name?

Will Ferrell or what's some other ones that people watch the Christmas story. My wife always likes Home Alone. Be honest, I don't really have a list of maybe, but that's more of a new year's movie, but it's a wonderful life. I always get closer to that one, but yeah, man, I wish I could say I had a go to Christmas movie every year, but no, I don't.

So my list is short.

Mr.Benja: Yeah. I don't either. It's funny at some, my, my aunt at her house, she likes to play a Christmas story and there's, it was usually like TNT or TBS or USA, one of those that would just play it basically all day. And she liked just to have it on. And I remember my cousin coming in one time in the house and everybody, Hey, how you doing hugs and kisses.

And in the middle of talking, he looks over at the TV as I, Oh, hold on. I've never seen this part. And he just puts his plate down, runs past everybody. And it's wait, what's going on? Apparently he's never sat down to watch the movie, but every year he saw clips of it because he'd show up at my aunt's house.

So he's piecing together this entire movie and was like, hold on. I've never seen this part. It runs into the living room and sits down just to watch this little piece of the movie. And I was like, that's okay. That's a Christmas memory right there. The fact that your aunt plays it every year. He's never sat down and watched the movie.

He just sees little bits and pieces of it.

Real Theo Harvey: You know what? I would say the same thing. I don't think I've seen a whole movie all the way through. Be honest with you.

Yeah, I see a lot of people.

I think so. I remember the lamp, the leg lamp. I remember the tongue getting stuck on the pole. I remember you'll shoot your eye out.

But that's it just bits and pieces.

Mr.Benja: Yeah. My I think my favorite scene was the foot to the face. When we tried to climb back up the slide to get back to Santa. So it was like, nah, son. Blah.

Real Theo Harvey: I didn't think it was one of the first earlier movies that didn't take the earnestness out.

It took the the earnestness out of Christmas is like. This, Hey, this is what Christmas is like. It's like over, over the overabundance. Sometimes, there's some crazy moments, it goes back to a heartwarming moment at the end. And so we have movies like that, like with that Sinbad Arnold Schwarzenegger movie about, going for toys, real rough one.

I saw recently over again Billy Bob Thornton bad Santa. I don't know if you remember that movie was crazy. So anyway, so it was like, I don't really have a good memory. Go to Christmas movie, but it sounds like Christmas stories. One of those that came up to you a lot came, you watched a little bit more.

Any other ones that you watched over and over again?

Mr.Benja: I really liked Christmas vacation, national lampoons, Christmas vacation. I'm telling you when that squirrel stood up on the table and everybody got shook!

That, hey man, that movie had me going for just that's one that I can always put on and watch. Just put that on. I'm good.

Real Theo Harvey: I got shook. Yes.

Mr.Benja: Oh, you got to remember in Florida, we had the athletic squirrels, the ones That would just lift weights and do calisthenics. You drop your, your wife drops a purse and the squirrel picks it up by his teeth and runs up the tree.

And you're like, Oh my God, that's a, that's a big coach bag. How are you carrying all that? And the squirrel's I got this.

Real Theo Harvey: Oh, Mr. Benji. I know. Look, they have a whole theme song here in Tampa called let me see you do the squirrel. So I'm very familiar with squirrels and how muscular they are.

I think you're dead. Yes. But yeah, man. Yeah, I'm trying to think of any other interesting movies out there when it comes to just people watching, getting excited about over the years.

Mr.Benja: Man,

Real Theo Harvey: I saw this eight bit Christmas. It was okay. Nothing earthshattering is about setting the eighties.

It was trying to be like a Christmas story for our generation, so setting the eighties with, they were looking for a Nintendo was, what was the wizard set? Yeah. No, that wasn't set around Christmas time. Remember that was about the Nintendo, the glove. Remember that one? Oh, he's got the glove.

Mr.Benja: Fred Savage, his little brother had to make it to the. Nintendo world championships.

Real Theo Harvey: Yeah, but

Mr.Benja: That was a whole period to peace time. I could, even though it's not Christmas, I could watch that again.

Real Theo Harvey: Yeah. Oh, wow. Okay. There you go. Yeah. You know what that, that's the key is just like nostalgia, right?

What movies get you back in that mode? The little claymation types, they're not claymation, I don't think, but they're like stop motion or stop action. What's it stop? Yeah. Yeah. What's it called? Rudolph, the red nose reindeer frosty, the snowman. So basically they would get you hype because they never sang the song or if they did, it was like be snippets at the beginning, in the middle of the story.

And then at the end, they finally did the whole song and you get hype, right? They're like frosty, the snowman. No, you can't listen to the whole thing yet at the end when they finally told the story of how frosty became the snowman. Then they go into the whole song and you got, Oh, you know what?

I'm forgetting the, this is one I do watch every year, man. Charlie Brown Christmas, man. I just love that one, man. It's just like the song, just that soulful kind of sad, singy songy voice. And then when Linus bust out. The line is the preacher buses out, with, Jesus came from heaven.

They did, they went deep. It was no doubt.

Mr.Benja: No, that, that was a solid one. Yeah. That's actually pretty good too. That one can come on and stay on. Out of left field, you mentioned Rudolph and if, I don't know if James could pull this one up, but when it's funny, cause I actually have this memory mixed in with the real show, there are clips from a mad TV.

You remember mad TV? Mad TV did a A set called Raging Rudolph. And it was like guns, knives, people getting hurt and beat up and stop motion. And what's funny is I'll go back and watch the real one and be waiting on that scene from Mad TV where, people are getting shot and everything. And it's, yeah that's a classic.

Oh yeah. I'm

Real Theo Harvey: seeing it now. Yes. I do remember that. Yeah, I do. That was hilarious. Yeah. It's just, they can do so many different things with this is like they can yeah. Hype up the the earnestness, right? The realness of it. They can make fun of it. They can take a little flip to it.

So it's like Christmas movies. They can do a lot. And it's so funny, man, you go back and you realize all the classic songs that we listen to now, man, they came from those old time movies, man have yourself a merry little Christmas was sung by Judy Garland. And Miracle on 42nd street is just wow, no, meet me in St.

Louis. Excuse me. So it's like these things of memory. Christmas, let's be honest. Yes. It was really built in the forties. It was a marketing. To get people to, to buy more after, after basically the the depression. And they were trying to create a sentiment about, buying Christmas trees and that's what, black Friday came about.

Because retailers was like, how are we going to get people to come buy stuff from us? And so Christmas was basically. Push as a marketing effort. And so that's why they have these songs, all this kind of nostalgia that's carried all the way to now. So it's interesting to see that kind of evolve.

And it's funny in real time. We're seeing Halloween developed that same way, right? It used to be this offshoot kind of thing. But now, it's always around Halloween, but now it's becoming like scary Christmas and it's as almost a bigger thing as Christmas now.

Mr.Benja: I know out here in, in LA, there's like a lot of, I shouldn't say there are now, but a couple of years ago, for the pandemic, it was party season. There were just Halloween parties. Galore, you've run down the, you go down the streets and it was just like, got Michael Myers running through traffic

and

instead of honking at him, people were laughing like, yeah, man, cut it up, dog. Cut it.

Real Theo Harvey: Yes. So it's, yeah, it is a wild times, but yeah, man, James cut it up, man.

I love it. We did a little Christmas showdown. Put it out there, put it out on the streams.

Mr.Benja: Yeah. If, and if you got your holiday favorites, man, throw them in the comments as always, and send us all the smoke. But not United Healthcare kind of smoke. We don't want that. I'm going to, speaking of Ranger Rudolph.

Oh, dang.

This is

Healthcare System Woes and United Healthcare Controversy

Mr.Benja: bad business. So we didn't really get into this last time, but but it's okay because the drama has kept continuing into this next week and Theo you're actively in the healthcare space now. Picking up bits and pieces of the story and just finding different angles about it, but you're actually in the health care space.

So really quickly, let me just lay it out. People in the United States are fed up with the health care system, especially the health care insurance system where, Something goes wrong. You're supposed to get, you're supposed to have insurance, help you out, help pay your bills.

And, you put in a claim and it's supposed to go through. And it's yes, we understand. We'll help you out. That's what you pay money into the system for, but the largest company I believe as far as profit is concerned United healthcare, they've got all this money and they've been, I think someone said around 35 percent of their claims they deny or had denied in this one period.

And that was just terrible in terms of how claims are being accepted or denied. And. It's been a whole thing that's been raging in the American populace. Like, why is this happening? People are dying. It's a sad situation actually. And no one's really, taking the lid off and like showing everybody what's happening and look, this is a bad thing.

But recently An alleged shooter. This what was his name? Luigi Mangione. He is the suspect and everybody's saying it's pretty much him that he decided to, he decided that this, the CEO should have his game ended. His game should be over. That's what he decided. And there's all types of shooting details, pictures are going around, and I'm pretty sure you've seen all that, so I won't dwell on that.

But, the interesting thing to me is that this whole social aspect of it now has changed. And we're seeing how people are responding to it. I don't know. There's a lot of different ways we can go with this, but Theo, how does this change things? Is this just another news event, another weird freak happening?

Or, obviously it's symptoms of something bigger, but I don't know. What do you have to say on your side of it?

Real Theo Harvey: Yeah, man. This is something that I think we saw symptoms, bubbling up from the Kobe, right? That's, so basically the doctors or, healthcare professionals as being the arbiter of all that is right and good understanding of that is, is wrong, right?

Institutions itself are failing us, right? And so that's why you have the mass mandates. People MedicalCityHospital. com Push back on that immunization, requirements and, taking vaccines, but so that's, I think that's part of a bigger kind of conversation, but the insurance has been a special hell, for a lot of folks. I think, some of our listeners, I even have dealt with this, like understanding why am I being charged? This 85 fee for the anesthesiologist has been 30 minutes, more on the surgery I did. And If anyone's seen any, what they call explanation of benefits it's almost like reading Greek, trying to understand this stuff.

And it's purposely is purposely set that way. Healthcare is purposely confusing because guess what? You don't pay for it. You pay for indirectly. So the way they set it up is you get a service from a doctor, the doctors deliver service to you, but neither the doctor doesn't get paid by you.

They get paid by the insurer and you pay into the insurer. So we have a system where there is a middleman in the middle of a transaction between two parties. And that's unheard of, capitalism as pure as is I sell something to you, you buy it from me, I deliver a service to you. So it's it's like when you have a middleman, you have all kinds of what they call Misaligned incentives, right?

Because there is no, you're not guaranteed to get the best service because the doctor's not getting paid for you. Yeah. And it's not a lot and your payment is not aligned to getting better service, right? If you're paying directly to the insurer because they're using it for other stuff. So it, it creates a misalignment, economic theory one on one when there's misalignment when it comes to money, then there's always going to be issues with trying to get the best quality of service or best, bang for your buck.

for lack of a better word. So I say that to say, man, I can get into all these terms of why is it like that? It's just so complicated because they're trying to align something that could be very simple. If they just made one pair like they haven't. rich countries, other rich countries where the government is a payer, right?

That's it. And then basically they take care of everyone's, you pay taxes, you pay easy, pay all these other service, you pay as a a citizen, the government will take care of that. But because they don't have it like that, they have to create these kind of Almost a maze like structures in order to create some pseudo alignment and they always break.

And so that's the high level what's going on. And so the frustration people feel is because of complexity of what's really going on behind the scenes that unfortunately will never change because this is multi billion dollar. United Healthcare, what is 70 17 percent of our GDP. So our GDP, yes.

So it's almost 20 percent of our national GDP. And if you think about that's, you're looking at trillions of dollars, our GDP right now is 30, almost 30 trillion. So that's one, one fifth of that. It's trillions of dollars that's going into this this prop, this situation and it's making it worse.

So anyway, as a layman, Mr. Benja, when you heard this and you're seeing the discourse on here now, I'd be curious to see, I can get into details of like how they rate people. So if you're sicker, they give you a score, a risk score, and they're trying to figure out they can, they pay you, just a little bit more.

But really they're trying to cap out how the insurance is going to pay. Look as a, what it is, they say, Mr. Benja, basically we're going to pay 10, 000 for your healthcare for the rest of the year. And if you maybe be a little sicker, let's say you have some chronic condition or something, we may pay you a little bit more, but that's it.

Mr.Benja: Yeah, man. You know what? As a lay person, I will say this. I am, I'm definitely not anti healthcare, but I am very pro get your ish together. And I remember. After a couple of times of having meetings with with doctors, I was like yeah, okay. I see you've got this this the steroid you can use to help out with the lung condition.

When I was younger, I was in Florida and I was allergic to a lot of the grasses, but I like playing sports and stuff. So I was having some inflammation issues and all that. And they were like yeah. So we're going to put you on these steroids. We're going to do this and that.

And this, I remember even as a kid, and I argued this as an adult too. I was like is there something I can get on? That's like a, an exercise regimen or program. Can I get like a, an air filter in my house that could, so I could prevent this stuff more preventative kind of things.

And and they were like What are you talking about? Listen, when this happens again, make sure that when you cough up blood, you send us a sample and we'll send you to some specialist somewhere. And I'm like, what? I don't want all that. I just want to not, so the preventative side and trying to actually, Avoid things.

I was like, Hey, can I get a, can I get a test on, on, on my blood and my nutrition levels for, for proper foods that can maybe help out with the situation and get, some blood work done. And they're like, why would we do that? It was just. It was just problematic and, I wasn't the only one in my family going through this because, my cousin, sister, mom, we all had these same types of questions.

And I remember at one point I questioned my doctor. I said, Hey, is this necessary? Do we have to do this and that? And he was like, I'll get back to you. A week later, my mom was like, son, we love you, but you're questioning got our entire family kicked off that doctor's program. What? And I was like.

Yes. And this was was it my junior year, my senior year in high school?

So I

was like, Oh, that's how it is. And I hadn't noticed it getting any better since then, but I, the idea that my whole entire family could get kicked off this. This one doctor's, roster was phenomenal to me. I was like, wow.

Okay. Sorry.

Real Theo Harvey: So yeah, insurance is like health insurance a little bit. Look, we get car insurance, you get home insurance and that's still terrible, right? Because you're paying premiums for us and the, basically the profit margin is based on not having to pay out, right? The more you keep paying a premium.

So basically we pay monthly, into the insurance in case shit happens basically. Their hope is that shit won't happen. So that's why they have actuarials. Remember Reggie, man, I'll never forget. He, that's the first time I heard that term. Remember, I don't know if you remember Reggie from a fam, you, he was, he said, I want to be, I want to be actuary.

I was like what the hell is that? And so basically These data nerds, you come together and figure out like, what's the likelihood of Mr. Benja, we're going to have to pay out a million dollar policy on this guy.

Insurance and Healthcare Challenges

Real Theo Harvey: Oh, he's 45 years old. He's this, he's that, he's this. Oh, he's healthy.

Oh yeah. So yeah we'll ensure that, but no, if you're coughing up blood in front of us, you're like 69 years old. Got an oxygen tank. Nah, that's risky. Yeah, insurance by its nature is like not. And then when you tie that into health care, which is basically, is you pay whatever it takes to be health, right?

Because health is basically time and you'll pay whatever it takes to get more time on this earth. And so it's you have a captured audience. We talk about marketing a lot. We talk about selling. That's. It's the ultimate kind of captured audience.

They'll pay whatever that was at the the demand curve is, straight up and down. Whatever you charge me, I'll pay for it to stay alive longer. So I think that's the challenge, man. And yeah, man I talk about this on my other pod, so go check it out because it says secrets.

Small plug. I wrote a book behind me. I don't really plug it to Yeah. Yeah. Yeah. Zoom in on that James.

Frustrations with Medical Billing

Real Theo Harvey: Yeah, but I think it's one of those things that as a lay person and I've been on both sides, Mr. I know, understand more and more. And I've been frustrated when my wife got pregnant with my son.

Why am I still getting these bills? And it's I understand.

Mr.Benja: Yeah. You asked as a lay person, what I wanted to also emphasize was that it's frustrating and. I know because I, I get frustrated with this kind of stuff, and as I've said, I ask questions that people don't like. Like I'll be in the doctor's office like, Hey, can we at least get some sugar free lollipops?

And then, everybody just kinda gets quiet and all the nurses shake their heads. , that's one of those like, why would you ask that? How dare you be smirch, our office with your questions. I love it. It bring some fresh fruit up in the doctor's office.

So yeah, it's I'm looking at all these problems. And of course, as far as I know, our problems are, pitiful compared to some of these horror stories that you hear on the internet where lost ones, families have, lost their loved ones over some, The mail didn't get delivered on the right day.

So sorry, we can't do anything. Policy says, and you're like, what you're going to, what, so there are a lot of bad problems and and yeah, but I was looking online and this is what made me want to talk about this story because it's obviously not in our normal discussion list, but I was looking online on Instagram.

Social Media Reactions to Healthcare Issues

Mr.Benja: I found like a certain there was a post by somebody saying, Hey, listen, here's what's happening with this healthcare thing. And I looked in the comments and people were like, yeah, good for Luigi and Luigi death stare. And I'm like, Whoa, okay. This is interesting. And it was just the vibe of it was very eat the rich if that's a vibe.

I was like, okay, that's Instagram. I wonder what threads are saying. Go over to threads, same kind of stuff. I'm like, huh. Interesting. Very, who cares? He deserved it. Maybe some other CEOs are going to, They should be on watch, I should, I'll say. And it was very concerning. From a lot of, from a lot of points of view, it's just Is this the, is this what we're doing?

And no matter what social media, actually, I went on X and there wasn't much talk of this on, this type of talk on X, which was interesting. But, there's so much anger out there, that people were just like, Basically, that's what you get.

Public Outrage and Legal Consequences

Mr.Benja: And in fact, a woman now they're starting to fight back. Had the story from ABC news, Florida woman charged for threatening health insurance company.

I'm reading just from the report here, a Florida woman was arrested and charged this week after police say she ended a phone call with her health insurance provider with threats that mimicked wording associated with the United healthcare CEO shooter. It's funny. I don't even want to say what she said because if it got her arrested, it might get this video kicked off of YouTube now.

But yeah, there is one thing she said was you people are next. And that's kinda, obviously that's pretty dark, but I don't know, man. That's It's weird. It's become almost this little cult. Had you heard about this bubbling up in the social media sphere or from people, this attitude?

Real Theo Harvey: No, but I could see why it is starting to bubble up because everyone has a bad experience of insurance. You just told your story. I have a story, I guarantee You talked to 100 people, 99 people have stories about insurance, dealing with insurance and trying to understand what, even to this day, I still got stuff on there, like, why am I paying for this?

And try to understand that and detail. And no, it's not so much. I heard a bubbling up, but the frustration is real. And let's be honest, a couple of things is helping him in his favor. The guy is handsome. He looks like he, why is he doing this?

Cause he was just. He looked like he had a lot going for him. He went to private school and it's so he got fed up. So it's wow, if even he got fed up, a guy who had the world. On a string and he got fed up to that much where, or where he was ready to do something. They said he wasn't even United healthcare wasn't even his insurer.

So it's like a lot of things going into this. And it's to your point, how long would this last?

Political Implications of Healthcare

Real Theo Harvey: It's funny. It's when, I always think about this, we talk about the presidential election and these presidents come in with these mandates and we're going to do all this stuff. But I wonder, they never, they barely talked about healthcare in the presidential election.

I wonder if that's going to be the big thing when Trump comes into office, because it's so funny. It's he's always about immigration. It's about the economy. But when something like this happens, now all of a sudden people is bump all that. Yeah.

That guy was right.

Mr.Benja: That'd be a way to get people on your side if the Doge came in and by Doge I'm talking about the DOGE from Elon Musk meaning the Department of Government Expenditures.

I think that's it.

Real Theo Harvey: I thought it was Government Efficiency, but probably.

Mr.Benja: Efficiency, Efficiency. Yeah, the Department of Government Efficiency Yeah. Elon's thing. No point. The Department of Gross Elon, as some people call it. Yeah. That, that's a funny thing too. If anybody, if anything can be made a little more efficient, I'm sure something in the healthcare space and the insurance space can happen.

So I love it. We'll see how that goes. How would it come? But

Real Theo Harvey: yeah, thanks for putting it up there, man. I love you having these discussions outside of our normal. So thank you guys for letting us embark on this journey.

Mr.Benja: Yeah. How are you?

The Role of Influencers and Gurus

Mr.Benja: Speaking of gurus, I'm going to throw, I'm going to throw Elon in our guru discussion, our big, wise, rich man of Tesla.

Right. Whatever you feel about Elon is whatever like him or hate him, throw it in the comments, let us know. Yeah, really quickly, had you, what is this doge thing to you? Do you think that's a good idea or is it just too silly or just any thoughts on it really quick?

Real Theo Harvey: All gov, all business guys think they can run the government more efficient, efficiently.

And who said that Ross Perot? Look, we're showing our age. Ross Perot was one of those, I thought I'd shut up. I said this, I did this, who's a third party candidate for those that don't know that ran for president. And you I want to say 92 against George Bush, the original senior and and bill Clinton.

And so he was a spoiler. And so basically that allowed potentially bill Clinton to win the election, but he's a business guy. He's a billionaire. He made his money, I think on enterprise tech, computers, but Yeah, that was his claim to fame. I'm going to cut everything and do this right and run the business.

I think every businessman comes in with that kind of perception, but then when you actually get into government, you realize this is like the Titanic and it's this ship is hard to turn. Yes, you can try to. So I was telling the argument to someone like the one guy who was going to go into, I can't remember his name.

He's going to go to the FBI. And he was going to get rid of deep state. I don't know if you remember. And he saves guard. He's going to get rid of. There's a building in New York. He's going to clear it out. All 40, 000 people for, they don't, they can not gonna have a job anymore. And I was, that's fine.

And even if you replace all these people, but ultimately guess what? Even bring new people in there's policies and procedures that got to get done. Then nobody's got to know how to do it. do. So guess who they're going to call? They're going to call the guy that fired the last guy to figure all that out.

And that guy's going to be overwhelmed. And he's I don't want to deal with this no more because I don't even know. The government is like that, man. There's so many hidden things and what was the TPS reports, right? Just these to the M degree. Because they're there for a reason, right?

But when you try to come in as a business person and try to disrupt on that is so hard. So we'll see. That's why Trump is trying to use executive orders, right? To maneuver things a little bit to his favor a little bit faster, but it comes to a point when you get to the minutia of actually executing the agencies that The checks and balances are the bureaucracy, right?

The bureaucracy keeps the thing from moving faster. Yeah, so I don't think they'll find some cuts, but, whole swath of things getting cut out. I don't see that happening, man. I think they'll try to cut a few things and say, we made success. But if they try to cut something drastically, I guarantee that guy would not last two weeks because everybody's going to be calling him and no man, no human being can handle that much overwhelm.

It's not that serious.

Mr.Benja: Yeah, it's it's an interesting and wholeheartedly different game, I think. From my far removed perspective. But yeah, we were going to talk about some, the rise and fall of some gurus and where gurus are at right now. And Elon must seem like a decent guy to start with.

Yeah, we just have these figures that we start following and it's become weird now because I guess I'm thinking about it, thinking back on 2025 and, even from the pandemic, you've got all these Characters, individuals, brands. And I think we've gotten to a point where they're starting to separate themselves from a corporate entity and becoming an entity all into themselves.

Where they're a brand, they're a, an influencer, they're a a cult almost, and you've got more of these figures coming up. You want to go old school. You'll have Steve jobs, but now, Kanye West. It's What's his name? Kendrick Lamar. You've got your Elon Musk and Kai Sinod.

It's all these characters are showing up and they're really market heavy. They're really good on the marketing side of things. And like the video you sent me, it's yeah. People aren't used to this kind of marketing and they're getting it and they're just jumping into, their mind, they're jumping into bed with these people.

Cool, let's go. I'm all for it. And Andrew Tate was the other one I was trying to think of. I don't know, does this continue? Is it going to fall? Is it going to keep going? What's happening with the gurus?

Real Theo Harvey: The gurus are here, the influences are influencing. I don't know, man. Like I said, I listen to a good influence every now and then, but I do feel like there is some waning influence, right?

They're all starting to now. Every once in a while, like Ozzy I always try to see, okay, is he gonna say the same thing? To his credit, he's always trying to switch it up, trying to change some things some gurus, they start saying they can start repeating themselves too often, and so it becomes.

Monotonous. And so it's curious to see which gurus are are going to stay relevant. And we talked about this, how they staying relevant. We see your guy, Derek Grace, he's leveraging clout. Yeah, my guy. If you don't know Derek Grace is Derek Grace to look them up.

Very interesting guy got a lot of tattoos on his face and pretty much is his brand and he's leveraging that. So whatever it means when a guy has a lot of tattoos on his face, then that's what he's doing. So that's all I want to say. So if you see a guy have a lot of tattoos on his face and he think, Did he do that?

Yes, he did that. Yes. Yeah. So this guy's clout chasing, obviously, in the the mode of earn your leisure. So he's going to interviews of T I leveraging that, putting that out there on his channels and stuff. And Look more credit to him. Then you got on the other extreme, so it's interesting.

I'm rounding this out. I see the other extreme. We have someone like Ashton CEO, who's just being, he's under the Neo brand, right? Those. Myron, golden guys, higher level gurus. He's just below them, probably in the same circles, but he's just been consistent, just doing the same thing.

Doesn't change his shirt. Usually he's always in front of the same background and he's selling his digital courses and his 47. Mastermind group, right? Monthly mastermind. And it's like being consistent. So it's funny. You see the two extremes, right? With these mid level gurus trying to figure out their place in the world.

AI and the Future of Content Creation

Real Theo Harvey: So I don't know, Mr. Benji, I think the thing I see coming, we'll talk about predictions, but just Sora got announced this week as we're recording this with so basically that's that new video generator. From a open AI. And I think that could be a game changer when it comes to what people going to watch, we saw the rise of faceless YouTube videos.

So we saw on the rise of. AI generated podcasts. I don't know, man. Are we seeing the sunset of the guru?

Mr.Benja: So check this out. It's funny. There are, I played this game and it has these AI characters in it. And the art is AI and they show up and it's I wouldn't mind. It's trying to act like these are players, other players online, but they're AI and you know it, but they say things like, Hey man, good game.

Dah. And they talk to you and you're like, I don't mind this. I if that person represents level 17 or whatever, don't mind, which is a weird feeling. And I started poking around and was, was thinking about this when I got distracted by this by this fitness model on Instagram, Pleasant way of

Real Theo Harvey: saying

Mr.Benja: that.

I'm thinking about this and I'm like, wow, look at this fitness model on Instagram, very interesting proportions and build and look very exotic, generic, interesting. Wow. Okay. So I'm looking into this. And I used to look up some fitness people cause I'm like, okay. Certain people know these different exercises and things, whatever.

I was actually into that very quickly can lead to your algorithm getting screwed up on Instagram. So

I got to watch out for making sure my algorithm stays nice and family friendly. But anyway,

Real Theo Harvey: I do, I do.

Mr.Benja: But anyway, this person shows up and I go through looking at it and I'm like, huh, this is just an interesting person, but I couldn't put my finger on it.

So I'm like, Okay, I'll do it. Go to the bio, there's like a little link tree or whatever. It's got a couple links on there I'm like, huh? Okay standard stuff Instagram X whatever only fans sure I get it basic whatever I go back and I'm like This person doesn't say too much this person doesn't have a lot of friends showing up But there's like tons of likes and everything I decided to search on X to see who's talking to this person, who's talking with this person, just because it's interesting.

And I don't know why. Finally, someone says, Hey, this person is a deep fake of this other influencer that came out like six or seven years ago. So I was like, what? I went back to the person from six or seven years ago, same build and look, but it's an actual person who's talking, who's doing a bunch of other things aside from just.

These weird little, hi, I'm this person with a weird build and dah. And I'm like, they did the deep fake and the deep voice and I didn't notice it. And it wasn't apparent from any of the comments or anything. I actually had to go searching for it. So I was like, okay, that's, I think I got,

it's

happened quite a bit to quite a lot of people because I was in the comments and nobody had a clue.

The Rise of AI in Social Media and OnlyFans

Real Theo Harvey: They're saying we're probably gonna have more relations with AI in 2025. Look, this, we're getting prediction territory, but I see that happening. They, quote unquote, this was the election. The young men won, right? Donald Trump won for the young men, right? Quote unquote, young white men, really, because they're so lost, right?

They listen to Joe Rogan. They're looking for the answers. And, a lot of them are lonely. A lot of them realize that their day prospects are dim. So they're searching online. They're on Robin Hood that, crypto's up. So they're getting hyped about crypto. They're betting more so they're in these little bubbles, this isolated bubble.

And so if a little fitness model pops up in their little bubble, you think they're looking to see if they're fake or not. Mr. Benja, I got a girlfriend now. I got a girlfriend. So I see that going to just proliferate, as a guy who has a young son. Just try, I see it. You look.

As a boy, we all were into video games and just be on to imagine if we had the, I the iPad at four or five years, six, seven years old. And so it's yes, I, we don't mind him doing it, but it's no, you're doing sports. You're watching this with me. You're doing this with me. So trying to create an environment where they want to stay outside of that.

That, that toxic social world. And so a lot of those guys don't have that, man. That's unfortunate. It's going to be a crazy world. It's going to be a crazy world.

Mr.Benja: Yeah. And it's a, it's another mark of the crazy world. You got regular people try still trying to make only fans a thing for. You remember a couple of years ago when OnlyFans was like, Hey, it's not just for, it's not just for models and, pretty people, it's for everybody.

And they did that really strong push for two months.

Real Theo Harvey: Vaguely. Yeah. I do remember that.

Mr.Benja: Yeah, man. Now we got for some reason the voice actor from RDR has decided that he's Rob Whitehoff. Red Dead Redemption's John Marston actor, Rob Whitehoff, starts in OnlyFans to chronicle it. Cool. His physical fitness journey. Come on, man. Get on Patrion you?

Real Theo Harvey: I just thought about that. Patriot, I forgot. That's an option

Mr.Benja: or circle anything.

Real Theo Harvey: I guess he felt that was the best way to do it, man. People saying that ours, man, on the only fans. I don't know, Mr. Benja, not to get too much in your history, but did you know the actor, have you met him before?

Mr.Benja: No, I don't know. I don't know him at all. He's from red dead resumption. Oh no. He was in the original as well, but no, I never met the guy. Gotcha.

Real Theo Harvey: Yeah, so I think yeah. But I just put it in there in the show notes. You heard about this model, Sophie rain. She just revealed, she made 43 million this year alone on only fans.

One, one person was paying her, was willing to pay her a 40 million or 4 million, I think. So it's crazy, man. What these people are making the only fans. I saw one of

Mr.Benja: you on that

Real Theo Harvey: one. What was that?

Mr.Benja: Lily Allen. Remember the singer Lily Allen?

Real Theo Harvey: Yeah.

Mr.Benja: Yeah. She makes her feet pick cause she does feet picks her feet.

Pick make her more money on than her Spotify streams. And she says, don't hate the player. Hate the game. Can you imagine being in the studio with an award winning artist and you're like, okay, so now we're going to do the bridge and this time I want to really pump it up. So on the first verse, we're just going to do a normal second verse.

We're going to pump it up really big. And then we're going to come in with a new set of drums and wait, Lily, where are you going? Why are you taking your boots off? Why are you taking a picture of your feet in the middle of the studio? We're paying money for the studio. And it's yeah, but I make more money off these feet.

Shut the up. All right.

Real Theo Harvey: I just read I just saw what is that? I'm trying to think of that that musician. She also says she heard about Lily Allen and she's going to be on only fans. And she said, why not? Who's that one, that famous one that became in the forefront? It was Stranger Things season four.

Oh man, I'm drawing the blank right now. I'm sure that people are going to flambase me. But I'll look it up as we talk. But yeah, she also said the same thing. Coming up that hill, running up that hill. What's that song? Yeah, running up that hill. It's the Kate Bush. She says she also is going to be on OnlyFans.

Mr.Benja: It's not like I only fans has a decent in terms of you get on there, you see what they've they're presenting. It's this, stream like a normal social media, you can buy, you can message, whatever. There are two things wrong with the fans portion of it.

One, it's not really for the fans. It's for this one on one type of download this material kind of thing. So it really doesn't build a community per se. It's not that great at that. And. Yeah, the whole setup is basically about porn and you can't get around that. And I don't know what, I don't know if people are anybody's legitimately trying to get around it or they're just saying, Hey, this is the place to be.

And if you're saying, Hey, this is the place to be, then gosh, I really wonder

Real Theo Harvey: We talked about that. There are whole courses on how you could potentially get women to, to, to have only fans site, right? So that's one area, but what's prevent only fans for allowing AI to proliferate, right?

With video, if it gets better and better, no, it's

Mr.Benja: on there. Exactly. AI content creators. It's just,

Real Theo Harvey: It's

Yeah, man. They care,

Yeah, good point. It's becoming a cluster, man, where it says fake stuff, seeing fake, people seeing fake stuff,

Mr.Benja: check this out, have relationship with

Real Theo Harvey: fake people.

Mr.Benja: I went to Google and typed in AI on only fans. The very first thing I got, no First video, making an AI only fans with computer science. Second video, how I make 20, 000 a month passive income using AI and only fans.

Real Theo Harvey: I see that. I see the same thing. How to create AI only fans model step by step.

Mr.Benja: Let me open up my my brave browser and go to an incognito window to see if I'm just tripping here.

There's a some, cause I'm always looking at business opportunities and things, maybe the results are skews, maybe the results are skews skewed. We are watching live, Mr.

Real Theo Harvey: Benji. All right. So now AI

Mr.Benja: on only fans. And yes, I've got the blank YouTube page here. It doesn't know anything about me in this browser window.

I'm hitting return now. Yeah. Same thing. If you just say AI on only fans, it's not like there's no discussions about it. It's just like how to make money doing this. So if you've got this many videos, this one's got 55, 000 views, 5. 1 million views. I think the seventh or eighth. Video down says is a Joe Rogan discussion.

It says AI only fans models are crazy. Yeah, I guess if you want to you know what these AI only fans models are probably having really good discussions.

I'm not being,

I'm not being funny here. They're probably having really good discussions because I was on Twitch and saw this girl, I forgot her name. I was she's a hottie and her face was in the corner and this AI model was front and center. She was studying for a test or doing some other stuff.

And. You had to pay to speak to her AI model, which was funny.

Real Theo Harvey: What?

Mr.Benja: Yes. And she would just jump in and interject every once in a while. So Hey, you guys don't talk me into my AI. And it would just go back to work. And the AI was just sitting there talking for her while her face was, her real person face was up in the corner.

Wow.

Real Theo Harvey: We are living in the future. People are using AI just to be there. Why they do something else, man. Hey guys, the game is to be told. It's usually supposed to be sold, but we're telling you the game right now, guys, we're telling you the game right now. So look, this is what's happening right now.

People are using AI to make money while they study. So we already showed you stuff on Twitch, the NPC. Real people. So it's the game is insane. Mr. Bitch, I'm super excited about our prediction show, man. I think you gave me enough content to realize Hey, I need to do more research on some stuff.

And no, I will not be on only fans all night tonight, guys. No, I will not be

Mr.Benja: delete that browser history.

Real Theo Harvey: Get caught up. Ain't gonna get me.

Mr.Benja: Ain't gonna get me.

Reflections and Future Plans

Real Theo Harvey: Anyway, man, Mr. Bidja anything else we want to catch up on?

Mr.Benja: Oh, man. We were getting towards the end of the year and I just wanted to say it's been fun, man. I have really been thinking about the gap in the game because I'm like, I was supposed to end up here, but I ended up here.

I was supposed to do this, but that happened instead. It's been fun. And really going back to that gap in the game and being thankful and being grateful Hey, no, this did happen, man, you did accomplish this, that moved forward, really getting into that spirit is. Is going to be paramount for 2025 because I don't think any of us can really gauge where we're going to be, no matter how well we try to plan, so get in there, start thinking about the next year start thinking about your loved ones and what you're going to do and get the plans ready.

Don't be down on new year's when it comes through. But that's, I didn't get to say that in the beginning, but that's that's, what's been on my mind. So hope everybody's had a good 2025. Rounds it out properly. I love it. Yeah. 24 rounds it out properly.

Real Theo Harvey: 24, man. You were already in new year, man.

I love it. Yeah I would, yeah, I concur. So yeah look for us. We're nearing our 200 episodes. So with OGs, thank you for listening and listen to what we're doing. We're continue to grow. So we'll definitely please. Comment, like what you hear, look, we're going to try to do some new things next year.

So be on the lookout for that as we plan for next year. Looking at what you guys like us to talk about, so I think we have some ideas on that, but Mr. Benjamin, it's always a pleasure doing this with you. Look everyone. If you like this, please subscribe and comment at show versus business or X threads, YouTube, and Instagram.

Listen to us at Spotify, iTunes, wherever you listen to podcasts, go check out our website, get more information about who we are, what we're about, and thank you for just listening. Mr. Benja have a good one, man. Peace.