[nobodysfool]

Look at the top causes of bankruptcy...

#1 on that list is medical costs.

To quote the article: http://finance.yahoo.com/news/pf_article_109143.html "A study done at Harvard University indicates that this is the biggest cause of bankruptcy, representing 62% of all personal bankruptcies. One of the interesting caveats of this study shows that 78% of filers had some form of health insurance, thus bucking the myth that medical bills affect only the uninsured. "

So yea, fixing healthcare will also fix a lot of America's debt problem. There are only a couple ways to do that - decrease the costs or have a single payor. We've tried the 'decrease costs' part with college funding. That didn't work, because any time we subsidize funding to colleges, they request more money. College debt is huge now. So going the medical route and just subsidizing a broken system isn't going to fix it. It will only make the problem worse. We need to have medicare for everyone, and it should start before birth. If someone wants a college education, allow them to get it, only paying to re-take classes. That would wipe out most people's debts.

[brandonb]

Note the Harvard study is from 2010. The Affordable Care Act (Obamacare) passed in 2010, started going into effect in 2014, and bans lifetime caps on health insurance payouts. The intent was to address exactly that problem--medical bankruptcies.

So the big policy change the parent asks for has already happened, and the U.S. will gain universal insurance coverage over the next couple years.

If we want to see healthcare costs drop in cost beyond that policy change, it's almost certainly going to need to be driven by technology in some way.

[georgemcbay]

"That would wipe out most people's debts."

Yeah, but people being is debt is great for the part of the financial services industry that they owe money to, often with ridiculous and crippling interest rates (compare to the interest rates these players get from the government when they borrow, which is essentially 0% -- which is nice, for them). This is especially true when it comes to student debt, which can't ever be discharged. And these companies have a ton of political power (money begets power begets money).

Which all is to say I agree with frandroid. The root problem here is our political system is almost completely broken due to lobbying and lack of meaningful campaign finance laws and the best way to actually fix some of the issues listed here is fixing those core government/policy problems, but those problems aren't technical in nature and won't be fixed with a Ruby on Rails app.

Software may be eating the world, but if your only options for government leadership are (to put it in South Park terms) a "turd" or a "douche", both of which are controlled by big money whose interests are at odds with the overall populace then there are a lot of core problems that there will never be a software fix for (short of the call for better AI going really well and having a benevolent SkyNet take over).

[jqm]

I came here to say exactly that. The new projects YC wants to see are great and are defiantly problems worthy of effort, but the more pressing problems seem structural at the moment.

I also agree with your final conclusion ("skynet") and think it is inevitable given time. Remove human corruptibility from governance. Efficiency... it is selected for.