morkalork (u/morkalork)

morkalork commented on From $479 to $2,800 a month for ACA health insurance next year npr.org/sections/shots-he... · Posted by u/laurex

cj · a day ago

What would a public insurance option involve? Do you mean insurance that's provided at-cost without a company profiting?

Insurance companies are already required to spend at least 80% (or 85%) of the premiums they collect on paying out claims. If they spend less, they are required to give rebates / premium refunds to policy holders.

It wouldn't be crazy to increase that percentage even more, since it's effectively a cap on the profit margin insurers are allowed to earn on premiums.

morkalork · 14 hours ago

The universal healthcare system in many countries is like they said, a publicly funded and operated insurer. I can look in the government portal and see what each healthcare provider billed to the public system for example. One can also have their private insurance cover services or just pay out of pocket. But copying that part blindly in the USA is doomed to fail because along with the universal coverage, there are also strict regulations on what services can be offered privately, how much can be charged for services and what must be covered by private insurance (a fun example I experienced recently was my private insurance not wanting to cover a certain drug treatment; if one doesn't have insurance, the government will pay 100% for the drugs but if you do, they force the private insurer to cover the cost). All areas where there USA is lacking.

morkalork commented on · Posted by u/morkalork

anigbrowl · a day ago

Yeah it seems like you linked to a completely different article. Since you can't edit the URL, best to just delete and start over.

morkalork · a day ago

Ah, should be this but apparently I can only edit the title. Maybe another day.

https://arstechnica.com/information-technology/2025/08/ai-bu...

morkalork commented on What is going on right now? catskull.net/what-the-hel... · Posted by u/todsacerdoti

mexicocitinluez · 2 days ago

> So what good are these tools? Do they have any value whatsoever?

> Objectively, it would seem the answer is no. But at least they make a lot of money, right?

Wait, what? Does the author know what the word "objectively" means?

I'd kill for someone to tell me how feeding a pdf into Claude and asking it to provide a print-friendly version for a templating language has "objectively" no value?

What about yesterday when I asked Claude to look write some reflection-heavy code for me to traverse a bunch of classes and register them in DI?

Or the hundreds (maybe thousands) of times I've thrown a TS error and it explained it in English to me?

I'm so over devs thinking they can categorically tell everyone else what is and isn't helpful in a field as big as this.

Also, and this really, really needs repeated: When you say "AI" and don't specify exactly what you mean you sound like a moron. "AI", that insanely general phrase, happens to cover a wide, wide array of different things you personally use day to day. Anytime you do speech-to-text you're relying on "AI".

morkalork · 2 days ago

I feel that even though I'm getting older, LLMs make me feel younger. There's things I learned in university 10 years ago that I only hazily remember but I can easily interrogate an AI and refresh myself way faster than opening old books. Just as a device for recall alone that's been trained on every power point slide that's been uploaded on lecturers websites, it's useful.

morkalork commented on 4chan will refuse to pay daily online safety fines, lawyer tells BBC bbc.co.uk/news/articles/c... · Posted by u/donpott

sunrunner · 2 days ago

I’m curious about what the plan is to differentiate between legitimate business use and personal use of any kind. Age verification obviously won’t work for self-hosted, so does age verification then get pushed to VPS providers? And at that point, so what? I’m already paying with legitimate bank details for legitimate personal use.

morkalork · 2 days ago

A VPN license of course! Just need a corporation number, a list of registered employees, and mandatory logging to get one! /s

morkalork commented on 95% of Companies See 'Zero Return' on $30B Generative AI Spend thedailyadda.com/95-of-co... · Posted by u/speckx

ch4s3 · 2 days ago

I guess you just know better than everyone, include the people who do look at user interactions. I know I've done it, so I must be no one.

morkalork · 2 days ago

I guess I'm no one too because I've done plenty of call analyses too.

morkalork commented on 95% of Companies See 'Zero Return' on $30B Generative AI Spend thedailyadda.com/95-of-co... · Posted by u/speckx

deadbabe · 2 days ago

What’s the ROI?

morkalork · 2 days ago

Transcription cost is a race to the bottom because there's so many vendors competing, same with embeddings. It's positive. Gets better every year.

morkalork commented on 95% of Companies See 'Zero Return' on $30B Generative AI Spend thedailyadda.com/95-of-co... · Posted by u/speckx

ninininino · 2 days ago

Advanced organizations (think not startups, but companies that have had years of decades of profit in the public market) might have solved all the low-hanging fruit problems and have staff doing things like automated quality audits (search summaries for swearing, abusive language, etc).

morkalork · 2 days ago

And you could save a bunch of money by replacing the staff that do that with LLMs!

morkalork commented on 95% of Companies See 'Zero Return' on $30B Generative AI Spend thedailyadda.com/95-of-co... · Posted by u/speckx

deadbabe · 2 days ago

Do you want to search summaries, or do you want to save millions of dollars per year?

morkalork · 2 days ago

I can assure you that people care very much about searching and mining calls, especially for compliance and QA reasons.