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“The price of agency is culpability”

A writer going by the name “Gurwinder” produces a popular Substack blog. In the following piece Gurwinder writes thoughtfully about the experience of discovering that one of his fans was a cold-blooded murderer:

“The Riddle of Luigi Mangione: My interactions with the alleged CEO assassin”

Quote:

We interacted on social media several times afterward, and each time he seemed as polite and thoughtful as he’d been in our chat. As the summer ended, I largely withdrew from social media to focus on my book, so I didn’t notice Luigi had vanished.

And then, a few months later, Brian Thompson was shot dead.

Many people celebrated the murder, mocking the victim and lionizing the killer. Some were frustrated that health insurance cost so much, and some were outraged that they or a loved one had been denied medical claims. For this they blamed Thompson, the CEO of the US’s largest health insurance company.

But while thousands reacted with laughter emojis to Thompson’s murder, and with love-heart emojis to his alleged murderer, I was sickened. Vigilantism is always wrong. If you celebrate someone gunning down a defenceless person in the street, then you advocate for a world in which this is an acceptable thing for anyone to do. You in fact advocate for a world in which a stranger can decide that you’re also a bad person, and gun you down in the street. In such a world, I promise you, your health insurance would cost much more.

The murder would’ve been shocking even if I didn’t know the murderer. But when Luigi was revealed as the suspect, everything became surreal. My mind raced back to our chat, searching for clues he could’ve done this. The only thing that stuck out was when Luigi briefly mentioned healthcare in the US was expensive, and said we Britons were lucky to have a socialized National Health Service. But even this statement, by itself, gave no indication Luigi was capable of what he was being accused of.

When someone is found to have committed murder, friends and relatives will usually say things like “I can’t believe it, he seemed like such a nice guy.” I instinctively said the same thing about Luigi. But as the shock faded and my wits returned, I ceased to be surprised. I’ve long known that people who are capable of great kindness also tend to be capable of great cruelty, because both extremes are often animated by the same crazed impulsivity. It’s why many of the people celebrating the murder are those who self-identify as “compassionate” leftists. And it’s why most of history’s greatest evils were committed by people who thought they were doing good.

(Emphasis added by me, although Gurwinder himself has chosen to highlight this passage.)

20 comments to “The price of agency is culpability”

  • jgh in Japan

    Some were frustrated that electricity costs so much, so went out and killed an electricity supply company director.

    Some were frustrated that heating gas costs so much, so went out and killed an gas supply company director.

    Some were frustrated that transport costs so much, so went out and killed a train company director.

    Some were frustrated that childcare costs so much, so went out and killed a nursery director.

    Coming soon to a country near you!

  • Steven R

    “Fuck around and find out” doesn’t give a free pass to guys with MBAs from Wharton and ten thousand dollar suits and golden parachutes after all.

  • GregWA

    jgh in Japan at 3:57pm,

    How about a list the Left can really get behind:
    Some were frustrated that education costs so much, so went out and killed a Dean of Education Administration.
    Some were frustrated that entertainment (movies, streaming services) cost so much, so went out and killed a Hollywood executive and a Broadway theatre producer for good measure.
    Some were frustrated that environmental regulations are too lax, so went out and killed the EPA Director.

    You make a great point that many such lists are possible–and dangerous if taken seriously!

  • Steven R

    I agree that no one person should unilaterally get to decide who lives and who dies. But we’re talking about the CEO of a major insurance company that pushed for, and helped write the law for, Obamacare, a law that requires people to buy health insurance, and then wrote an AI that was designed to deny 90% of claims right off the bat. We’re talking about writing a law that people are required to buy a service and then the company denies that service and we’re all supposed to just go along with it. And lest we forget, we’re discussing life and death medicine being denied. Rationality goes out the window when you read a letter saying grandma’s cancer care is being denied or your sick child can’t get the orthotics she needs to walk with. Now throw in someone who is unhinged. I’m not surprised this CEO got clipped; I’m surprised it doesn’t happen more often.

    I hate seeing some guy get gunned down in the street, but at the same time I’m not all that upset in the rich and powerful being reminded that they aren’t bulletproof and they can only push normal people so far before someone pushes back. It’s why we end up with people like the shooter or Marvin Heermeyer.

  • neonsnake

    *gets popcorn*

    Probably worth pointing out that Mangione appears to have been – based on all available evidence – a centre-right “grey tribe” libertarian.

  • bobby b

    We’re talking about United HealthCare, a company in which I own stock, a company in which I’d rather not own stock because it makes a rather poor profit, and it only makes that because it sells plans with very-defined terms and conditions and then enforces those contracts.

    There is no other way for an insurer to be profitable. It has always been thus.

  • Paul Marks

    Leftists blame everything on “capitalist greed” – ignoring all evidence of government intervention by regulations and tax-and-spend.

    The Collectivist establishment types can, for example, look at the introduction of the Poor Law Tax in Ireland in 1838 (the minister who pushed it was Lord Russell – ancestor of Bertrand Russell) and its massive increase in the late 1840s (with Acts of Parliament forcing areas of Ireland that had not gone bankrupt to bailout areas that were – thus dragging all of Ireland down into a Poor Law Tax nightmare – again Lord Russell was the driving force behind this, he was Prime Minister at a time when a Prime Minister had real power) and say that “laissez faire” (liberty) reduced the population of Ireland by at least a quarter.

    They even talk of Lord Russell’s commitment to “laissez faire” – he who supported a state education system in Ireland (1831) the Poor Law Tax (1838), the massive increase to the Poor Law Tax (late 1840s), state supported “Teacher Training” in England and Wales, Bank Bailouts (yes Peel’s Banking Act was suspended when the ink had barely dried) and on-and-on.

    They ignore the tax burden (to tax is to burden) – and blame liberty.

    Ditto with American health care – doctor licensing (the AMA scam) – ignored, FDA medical drug regulations – ignored, Medicare and Medicare (vast sums of money – which pushes up health care costs in the same way that government backed “student loans” push up student tuition fees) – ignored, “statement of need” regulations before new hospitals are allowed – ignored, all other regulations – ignored, even Obamacare (only passed a few years ago) – ignored.

    Instead the high cost of American health care is blamed, by the left, on “capitalist greed”, everything else is ignored. And shooting an unarmed man from behind is cheered and celebrated.

    Yes cheered and celebrated – for example on “Saturday Night Live” where the studio audience of leftists went into whoops of joy when the cowardly murderer was mentioned.

    That is the left – they want to murder you for your “capitalist greed” – they want to sneak up behind you when you are unarmed and shoot you dead.

    That is why it is a mistake to talk of a “knowledge problem” and act as if this or that argument could convince them not to murder us.

    Wake up and smell the coffee.

    They are evil, they want as dead – because they want us dead, because they get a kick out of it.

    Finis.

  • Fraser Orr

    @Steven R
    I agree that no one person should unilaterally get to decide who lives and who dies.

    No one person, save God alone, gets to make such a decision. All an insurance company gets to do is determine what their contractually agreed obligation is to pay for treatment. If the insurance company denies coverage that doesn’t mean all options are gone. You can find other ways to pay for the care you need.

    Cancer kills you, all an insurance company does is determine what they can do to help.

    Of course this may be impractical, but that is in large part because government interference in the healthcare market has driven competition and options out of the arena, and there is, to all intents and purposes, no downward pressure on costs at all (save the ugly option of denying care.)

    But we’re talking about the CEO of a major insurance company that pushed for, and helped write the law for, Obamacare, a law that requires people to buy health insurance, and then wrote an AI that was designed to deny 90% of claims right off the bat.

    However, here I am 100% with you Steven. It is government interference, often with the ugly hands of lobbyists, happy to give kickbacks and directorships to the politicians and civil servants to service them so readily, that is the true problem here. And when it comes to drugs, one of the biggest government interferences is in the realm of patents that drive costs insane, and the FDA who make drugs vastly more expensive and erect international barriers. If my vial of insulin costs $100 dollars in San Diego and $5 in Tijuana, that is entirely the fault of the regulatory state.

  • John

    Another person was even more responsible for Obamacare telling bare-faced lies about what it would and wouldn’t achieve. However I doubt if there would be the same clapping and cheering had he been the one shot on account of it.

  • neonsnake

    There is no other way for an insurer to be profitable. It has always been thus.

    A takeaway from this might be that health insurance shouldn’t be seen as a profit-making exercise, given that the only way to make a profit from it is to take more in payments than one pays out in care.

    The whole thing has thrown into disarray the purpose of insurance – insurance is a way of pooling risk amongst your fellows against unforeseeable events. Mutual Aid societies have been mentioned a few times recently, and this a good example of what they should be – everyone pays a little, and when one of your mates gets hit with the cancer stick, your contributions go towards his treatment. Insurance is – on the whole – a good thing – but it’s now at risk of being seen as a bad thing, because UHC are being publicised all over the web with their horrific stats on denial of healthcare for very crappy reasons.

    That is the left – they want to murder you for your “capitalist greed” – they want to sneak up behind you when you are unarmed and shoot you dead.

    Paul – no. This is a cartoon vision of the left with no bearing in reality, except in isolated examples, and there are far more examples on the “right” of people killing others because they’re “different”. You *may* be confusing liberals with leftists, but the leftist view is that *everybody* should have equal access to healthcare, shelter, food, and all the prerequisites for survival. In the case of certain bigots who wish harm and suffering on people because of their religion, skin colour, sexuality etc, we *still* think they should have access to (eg) healthcare, it’s just that we aren’t going to cry if they end up in a situation where they need it.

    Again, Mangione was *not* on the left, as best as anyone can tell, he was centre-right gray tribe.

    one of the biggest government interferences is in the realm of patents that drive costs insane

    Yes – not the whole story, of course (because it’s very complex, like everything), but an enormous part of it. Removing patents would have an undoubtedly enormous effect on reducing costs for everyday people.

  • Paul Marks

    neonsnake – I disagree with what you type in your last comment.

    Indeed the disagreement is so total that further conversation with you, on this matter, is pointless. But I certainly do not wish to show any disrespect for you – you have your beliefs and I have mine.

    Merry Christmas and a Happy New Year to you.

  • Martin

    Mangione doesn’t seem to have a full coherent ideology, and I don’t think fit neatly in left or right labels. This is somewhat similar to Ted Kaczynski who combined a dislike of capitalist modernity with very sharp (and FWIW, very accurate )criticism of leftists.

    What is interesting is seeing many on the left making Mangione a hero. After a decade of the American left trying to be the ‘respectable people’s in opposition to supposedly transgressive insurrectionary deplorable, they are now again celebrating the ‘propaganda of the deed’. Such ‘propaganda’ rarely works. It was the Bolsheviks who took over Russia while the anarchist assassins got nowhere. The weathermen and black panthers didn’t take over, or at least some of their alumni only gained influence after they gave up terrorism and pursued marching through the institutions. This leftist cheering for murder is perhaps a sign of weakness.

  • GregWA

    I completely believe the “AI designed to automatically deny 90% of claims”. My first attempt to get compensated for an expense always fails. The insurance company asks for Form X to be filled out and receipts provided. I do that and am denied. They force me to dig to find out why and what my options are. And I’m paying for this “service”?

    If we were talking about one of my streaming services and $10/month, no big deal. But we’re talking about $1000-$2000 per month paid in with nothing but resistance to pay out.

    How about this: any insurer who denies a claim that is later found to be valid not only has to cover the expense at 100% (not at whatever lower percentage the original contract called for) and pay a penalty, in cash to the insured, of the same amount. Inappropriate claims denials would stop overnight.

    How to set this up to be simple and enforceable? …I have no idea but others more clever than me likely do.

  • neonsnake

    Indeed the disagreement is so total that further conversation with you, on this matter, is pointless

    If you like. I will note that this site has accused me of being a “degenerate” and no-one has meaningfully disagreed, and yet whilst I no longer comment here in any frequency, I still stick up for your rights (except in extreme example like that Kirk twat who was an out and out nazi) whilst you don’t stick up for mine.

    Martin’s comment above is informative: whilst he says that “many on the left” applaud Mangione, he’s ignoring (deliberately?) the many on the “right” who feel the same, and are also in favour of his actions. As much as everyone is trying to paint this as “propaganda of the deed” by a leftist, he was of the centre-right – and the right have applauded him for very obvious reasons.

    (Putting the Weathermen and The Black Panthers in the same sentence is just daft. For the love of god)

  • I will note that this site has accused me of being a “degenerate”

    Really? Pretty sure that’s not samizdata’s editorial position.

  • neonsnake

    Really?

    Yes, Perry. I’m unclear whether you’re being sarcastic or not, given that it *may* not be the editorial position, but it’s been allowed to go unchallenged.

    As I say, there’s reasons I know longer comment frequently, and it’s essentially: why on earth would I comment on a site that welcomes those who accuse me of being a “degenerate”?

  • Snorri Godhi

    John:

    Another person was even more responsible for Obamacare telling bare-faced lies about what it would and wouldn’t achieve. However I doubt if there would be the same clapping and cheering had he been the one shot on account of it.

    Make that a she.
    Although, sure, he was an enabler.

    neonsnake:

    I will note that this site has accused me of being a “degenerate” and no-one has meaningfully disagreed

    It would help if you named names, maybe with links.
    Speaking for myself, i “accuse” you of being a tool of the Anglo-American Establishment, nothing more.

    And Merry Christmas to you, too!

  • bobby b

    neonsnake
    December 24, 2024 at 11:55 am

    “A takeaway from this might be that health insurance shouldn’t be seen as a profit-making exercise . . . “

    Given the slope of their returns, they might not be for long.

    But they’re not the problem.

    The real problem is that medical science is one of the very few fields that have actually given us our flying cars.

    But flying cars are expensive as hell.

    There have been tremendous accomplishments in the science. They can fix almost anything. But none of the fixes are cheap.

    An example: Look at Ozempic. New miracle drug, really. Fixes all sorts of serious medical issues, PLUS it helps overweight people lose weight. IIRC, over 30% of America is far overweight. So everyone wants it. They can’t ramp up production fast enough to satisfy demand. (Mostly because production infrastructure is so expensive.)

    And it costs $1200 per month to take it.

    In America, with our for-profit insurance, they’re trying to figure out how to deal with this. Normally, if a doc prescribes it, even for off-label use, med insurance will pay for it.

    This will kill profits for some time, until they figure out how to deal with it. There’s no way to profit when one drug can easily cost them that much money.

    But the main point is, how have the socialist countries handled this?

    In the UK and in Canada, docs have been instructed to NOT prescribe Ozempic except for the most severe of insulin problems.

    The for-profit system gets the drug to you, while it is prohibited for the most common use in the socialist system.

    In those places, it seems like you’ll get a MAID pamphlet instead.

    Health insurance only seems like a ripoff if you aren’t aware of how incredibly expensive health care is.

  • neonsnake

    how have the socialist countries handled this?

    In the UK

    Woah, woah woah! (sweet chiiiiild, of miiiiiiiine)

    The UK is not a socialist country, it’s a neo-liberal country, and has been since I was born in 1977!

    Point remains – it’s not actually that expensive, it’s only patents that make it so. And of course the cost is not $1200 per month, it’s like $9 dollars or something (once all costs are properly factored in)

    🙂

  • bobby b

    (Yeah, I thought that would trigger you. 😉 )

    1). UK’s NHS, and Canada’s Canada Health, strike me as systems that are more socialist than not. Probably not technically correct, but close, and I couldn’t resist.

    2). Look up the manufacturing process of Ozempic. I have no doubt that, when they can ramp up, the insurers are going to negotiate a cheaper price, but the base cost is presently very high. Imagine a clean factory filled with DNA synthesizers. And yes, patents – Teslas would be very cheap if I could just steal one. That pesky property-rights bugaboo is keeping us down, man! 😉 (Yes, I support patent rights.)

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