Most insurance is funded by employers who would switch insurers if they feel they're getting screwed by them.

> So insurance companies spend more so they can collect higher premiums.

This part is still true though. Insurers want you to consume more healthcare, so they'll happily pay for your chiropractor, acupuncturist, acne treatment, and Chanel gift bag [1]. Patients are happy with their benefits. Employers are happy with increasing employee retention in a tax advantaged way. Insurers are happy with the profit. Of course, you aren't going to see much health improvement from this though.

[1] https://nypost.com/2024/07/25/lifestyle/nyc-hospital-bills-3...

> Western corruption mostly concerns about the powerful and rich making friendly mutual agreements to bend the governing bodies and law to enable themselves become more powerful and richer.

Believe it or not, this is how lawmaking is supposed to work in a democracy. No one in a position of power is going to be completely selfless. The Civil Rights Acts were only able to pass because NAACP promised to endorse the Republicans and Southern Democrats who were the deciding votes. Voters have since lost interest in actual lawmaking, and have in fact become hostile to it. For example, in the first half of the Biden administration, there was a real possibility for a minimum wage increase, but voters saw any compromise to the $15 target as weakness even though they depended the vote of Joe Manchin, a Senator of a poor state that would suffer from economic turmoil with a California level minimum wage.

To be clear, it's not fair that the rich and powerful are better equipped to influence lawmaking. However, that's mainly a consequence of the utility of money and power rather than the system being fundamentally broken. Dismissing things like lobbying as corruption may provide comfortable explanation of why you're losing, but only helps the rich and powerful by eroding interest in grassroots lobbying and normalizing actual corruption (e.g. Binance insisting that its $2 billion investment be settled in Trump's stablecoin shortly after CZ was pardoned).

The Internet thinks that lobbying is bribery. If you wanted a bribery like vehicle, you'd just donate to a PAC or more recently, the new ballroom. Lobbying is just paying people to speak to politicians. After a company has said everything that wanted to every politician that can possibly support their cause, there isn't anything left for them to do.

Am I the only person who recognized that this bill explicitly does not require any sort of id verification? The point is to make apps and websites more accountable.

There is no requirement that the OS has to verify the person's ID. It literally just requires a dropdown menu to select your age bracket.