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Deductibles have become confusing for most people - studies show most people don’t even understand what actually counts towards their deductible or what’s covered for free. Plus, deductibles are now so high that they effectively only act as insurance against catastrophes.

We’ve never done this before at a similar scale

The devil is in the defaults - what we need next is tools that create new, digitally native formats for small groups of people to create wealth and form strong social bonds.

That’s it. In less time than it takes to set up a Slack group, your company can raise as much money as it might in a months-long, dilutive venture capital fundraising process or in an equally painful venture debt raise that leaves you with liens on your business and warrants outstanding.

It's ownership versus wage work. If you are paid for renting out your time, even lawyers and doctors, you can make some money, but you're not going to make the money gives you financial freedom. You're not going to have passive income where a business is earning for you while you are on that vacation. 

What if instead of a business model in which Uber investors stand to profit off the success of the platform, the drivers and riders profited as well?