I don&#x27;t think it&#x27;s disregard for the complexity of actions. I understand that pretty well. No one&#x27;s saying it won&#x27;t be messy, but you can&#x27;t make an omelette without breaking a few eggs.<p>I absolutely agree that there would be far-reaching consequences from hacks that neutralized the medical billing&#x2F;insurance systems and the credit reporting systems, but I disagree with your assessment that those consequences would be a net negative. I believe they would be net positive.