The UK NHI doesn't work well because the neoliberal parties in successive governments (both the Tories and New Labour) have been defunding it so that they can - like Thatcher did with the railways - once its quality has fallen due to lack of funds claim that it's bad because of Public management whilst it would be much better if it was Private because the Private Sector is much more competent, and privatise it.

Just like the US has fatcats that are perfectly happy to mass murder people for personal profit, so does the UK (and the British Political System is almost as bad as the American, so it's definitelly sold to the highest bidder) and plenty of those jhave wet dreams of the country having 13% of its GDP flowing through a Private Healthcare sector like the US were they can make billions of pounds doing exactly the same as the fatcats do in US Healthcare.

Source: I lived in Britain for over a decade.

By the way, you "read that the UK NHI doesn't work very well" is exactly because the UK media is overwhelmingly owned by tax avoiding billionaires who are part of the above mentioned fatcats who see themselves as profiting massivelly from Britain having a Healthcare System like the US. It's not by chance that the level of trust of Britons in their Press is one of the lowest in Europe.

The exact same kind of tactics were deployed by Tatcher back when she wanted to privatise the Railways with the result that satisfaction with the Railway system in the UK is now even lower than when there was a public operator even after Thatcher defunded it to claim "Public is Bad, Private is Good" to amass enough public support to privatise it.

From what I've seen, treatments not being covered are only the case were those treatments are very expensive and there are other effective treatments (though less effective) which are much cheaper.

There's also often a delay between a new and very expensive experimental treatment coming out and it becoming covered because it won't be covered if it doesn't demonstrate that it's advantages over the other available treatments are sufficient to justify the additional cost.

Mind you, I'm talking about Public Healthcare Systems, not the so-called Mixed Systems that have mandatory Health Insurance (usually highly regulated and with a Public Insurance option for the less well off) - Mixed Systems have some of the same problems as the US System at least in my experience living in countries with one and with the other kind of system.

Fair enough.

In several countries the mainstream party politicians (who are Neoliberals) have been slowly privatising healthcare by forcing the Public Healthcare System to outsource more and more of the work to the Private Sector and using the same technique as Thatcher in the UK used to privatise railroads (of which now, decades later, you can see the horrible results) - defund the Public Service and when the quality falls because of it claim that the Public Sector is always incompetent and the the Private is always competent so that's why that Public Service had problems hence it needs to be privatised to improve.

On top of that there is the actual genuine problem (rather than artificial meddling with the Public Healthcare System to send more money into the hands of politician's mates) that populations are aging and older people require much more Healthcare Services in average.

I've lived in a couple of countries in Europe and some have Universal Healthcare systems (such as the UK and Portugal) but others such as The Netherlands and Germany have Mixed Systems with Health Insurance but highly regulated and were some people can get Health Insurance from the state.

You're not going to go bankrupt from the treatment or get treatment denied in countries with UHC.

However if you lose your job or never find a job in the first place due to illness related issues or disabilities you'll almost certainly end up on benefits which again can be better or worse depending in the country.

I would say things have been getting worse all over Europe (personally I think it's exactly because there's been too much copying of shit from the US), especially when it comes to the level of benefits for poor people being sufficient (the house prices bubbles all over the place and the lack of building of social housing have made this a massive problem in most countries), but that's not the same as simply going bankrupt from medical bills because you've had an accident, ended up in an emergency ward and got a life saving surgery.

So it's literally something that's not legally supposed to happen, unlike in the US.

Mate, as I've said it's not one but TWO countries I lived in with Universal Healthcare, and you can't be a Nationalist (as you're trying to imply) for TWO countries.

If you're comparing like to like - i.e. the average poor disabled person in both a country with Universal Healthcare and the US - you're going to get some cases of those having insufficient treatment in countries with UHC (especially in those were neoliberal governments have been defunding their UHC systems to try and privatise Healthcare even against popular will, like the UK), whilst the vast majority of those people will be fucked in the US (unless they're Veterans).

I've lived in several countries and it's just an enormous peace of mind living in a country were you know that if you're involved in an accident and end up getting costly treatement in an emergency ward, you're not going to be ruined.

I think you're seeing the problems relative to a specific baseline and you think that there are massive problems there (which I'm sure there are) but the thing with the US system is that the baseline itself is way worse and all those problem you see would also be problems there but much worse (or maybe not, as those people would die a lot faster, at which point no problem would be visible) and on top of that in the US there are way more people with even worse problems when it comes to Healthcare than the "poor disabled person" in a country with UHC.

For every case of a disabled persion on benefits having to wait 1.5 years for a non-urgent operation because they can't afford private healthcare, there are a million of cases of people who get a common problem like Diabetes or Cardio-Vascular problems and get treated for free (down to getting the medicine for free, which for a person below the poverty line will be true even for the worst countries) rather than suddenly being faced with an extra monthly bill for medicine (which would be a massive hit for those poor people you cosplay as caring about for the sake of argument) or a massive bill for urgent surgery.

(Which reminds me: one thing that will NEVER happen in one of those countries, unlike in the US, is when one ends up in the emergency ward and requires an expensive treatment to save their life, they won't get a massive bill at the end)

Oh, and even if you pay out of pocket for medicine, it's way cheaper in those countries than the US, as governments have used their leverage to limit what Pharmaceutial companies can charge, unlike in the US.

The healthcare risks for the average individual in countries with Universal Healthcare aren't even in the same universe as in the US.

I worked in Tech Startups, not in the Valley but in London UK, and the Tech Bros aren't the Techies, they're the Founders and nowadays (unlike back in the 90s when I also was in the Industry) Founders are generally not Techies but rather people from a salesmanship-heavy background (so Finance types, Marketing types and so on).

Blaming Techies for the shit from Tech Bros is just profound ignorance, since the mindset that make a person good at coding (such as attention to detail and favoring precisision and clarity) are the very opposite of the Tech Bro behaviour (promising the impossible, weaving fantastic stories about Tech and making broad and vague claims about how Society works and what Tech can do).

Making money from merely owning things that others need and have to pay you to use as they can't get them otherwise (because you and people like you took them first) - something know in Economics as rent seeking, though it doesn't apply only to housing - is pure parasitism because that person is producing no value whatsoever, merely extorting money from others because they removed free access to a resource from them.

I literally said 2FA over SMS is not secure because of weaknesses in the GSM protocol.

It's still more secure than username + password alone, but that's it.

Those little boxes are just a bit of hardware to let the smartchip on the smartcard do what's called challenge-response authentication (in simple terms: get big long number, encode it with the key inside the smartchip, send encoded number out).

(Note that there are variants of the process were things like the amount of a transfer is added by the user to the input "big long number").

That mechanism is the safest authentication method of all because the authentication key inside the smartchip in the bank card never leaves it and even the user PIN never gets provided to anything but that smartchip.

That means it can't be eavesdropped over the network, nor can it be captured in the user's PC (for example by a keylogger), so even people who execute files received on their e-mails or install any random software from the Internet on their PCs are safe from having their bank account authentication data captured by an attacker.

The far more common ~~two-way-authentication~~ edit: two-channel-authentication, aka two-factor-autentication (log in with a password, then get a number via SMS and enter it on the website to finalize authentication), whilst more secure that just username+password isn't anywhere as safe as the method described above since GSM has security weaknesses and there are ways to redirected SMS messages to other devices.

(Source: amongst other things I worked in Smart Card Issuance software some years ago).

It's funny that the original poster of this thread actually refuses to work with some banks because of them having the best and most secure bank access authentication in the industry, as it's slightly inconvenient. Just another example of how, as it's said in that domain, "users are the weakest link in IT Security".