[gfodor]

Right, so what is necessary is for Gene therapy to have similar financial characteristics to an insurance company as a monthly perscription for a chronic illness. There is no reason this cant be securitized properly, unless a) the lifetime healthcare costs for a person are higher with the therapy than without (unlikely for most chronic illnesses) or b) the interest rate would need to be so high as to make it so. If gene therapy provides a more optimal use of resources and capital than continual therapy for chronic illness than the up-front high price tag nature of it being a problem is an opportunity for someone to come along and make the market more efficient.