[tonysdg]

On the flip side, however, I imagine it's a lot harder to convince some entity -- an individual, an insurer, a government -- to pay $1 million once vs. $100,000/year for 10 (or more) years. Whether due to psychology (the former might feel more expensive) or budgeting (the latter lets you spread out the cost), the problem remains. It's going to take a non-trivial amount of effort I think to get the American (and possibly other) healthcare system(s) ready for such a change.