Appendix a — 💰 The 50/50 Savings Split

The 50/50 Health Savings Split: Making Cures More Profitable Than Treatments

Pharmaceutical companies aren’t evil. They’re just following incentives. Right now, the incentives say: “Keep people sick forever, bill monthly.”

This chapter explains how to change those incentives so curing you becomes more profitable than milking you like a diseased cash cow until you die.

The Problem: Your Disease Is Their Annuity

Here’s how pharma currently makes money:

Diabetes:

Treatment cost: $500/month forever
Patient lifespan with disease: 30 years
Total revenue per patient: $180,000
Number of patients: 37 million (US alone)
Total addressable market: $6.66 trillion

A Cure Would Be Worth:

One-time payment: Maybe $10,000
Lost future revenue: $170,000 per patient
CEO’s reaction: “Fire whoever suggested this”

This is why we’ve cured exactly zero chronic diseases since Hepatitis C in 2014. It’s not a conspiracy. It’s math.

The Solution: Split the Savings

Here’s the simple fix: When a company cures a disease, they get 50% of the healthcare costs that would have been spent treating it.

The New Math:

Healthcare system saves: $180,000 per diabetic
Pharma company gets: $90,000 per cure
Patient pays: $0-1,000 (covered by insurance)
Everyone wins except: The disease

How It Works

Step 1: Calculate the True Cost of Disease

Every disease has a lifetime price tag:

Disease	Average Lifetime Cost	Annual Deaths	Total Market
Heart Disease	$750,000	695,000	$521B
Cancer	$450,000	609,000	$274B
Alzheimer’s	$580,000	120,000	$70B
Diabetes	$180,000	102,000	$18B
Total Top 4	$490,000 avg	1.5M	$883B

These aren’t treatment costs. These are total economic costs: Healthcare, lost productivity, family burden, everything.

Step 2: Offer Half to Whoever Cures It

Simple contract:

Cure the disease
The system pays 50% of savings
Payment over 10-20 years as savings materialize
Verified by actual healthcare spending data

Step 3: Watch Capitalism Do Its Thing

Before:

Diabetes treatment market: $500/month × 37M people = $222B/year
Incentive: Keep everyone diabetic forever

After:

Diabetes cure market: $90,000 × 37M people = $3.33 trillion
Incentive: Cure everyone immediately

Suddenly, curing diabetes is worth 15X more than treating it.

Real-World Example: The Cancer Math

Let’s say Pfizer develops a universal cancer cure tomorrow.

Current Cancer Treatment Market:

Annual revenue: $200 billion
Growth rate: 7% annually
30-year NPV: $4.2 trillion

50/50 Cure Payment Model:

Lives saved: 10 million annually
Cost saved per life: $450,000
Pfizer’s share: $225,000 per cure
Annual payment: $2.25 trillion
10-year total: $22.5 trillion

The CEO’s Reaction: “CURE EVERYTHING. NOW.”

Why Healthcare Systems Would Pay

“But wait,” you say, “why would insurance companies pay trillions for cures?”

Because they’re already paying more for treatments:

Insurance Company Perspective:

Current: Pay $750,000 per heart disease patient
With cure: Pay $375,000 once
Savings: $375,000 per patient
ROI: Instant 50% return

It’s like buying something at half price. You’d be stupid not to.

The Preventative Medicine Bonus

This model works even better for prevention:

Longevity Therapy Example:

Delays aging by 10 years
Reduces annual healthcare costs by $5,000/person
30-year savings: $150,000
Developer payment: $75,000 per person
Global market: 8 billion × $75,000 = $600 trillion

Suddenly, keeping people healthy becomes the world’s most valuable business.

How to Calculate Savings (The Non-Scammy Way)

For Specific Disease Cures

Historical data: Average treatment cost for disease
Multiply by: Number of patients who would have gotten it
Subtract: Cost of cure delivery
Split: 50/50

For Preventative Treatments

Baseline: Current per-capita healthcare spending by age
Treatment group: Actual spending after intervention
Difference: The savings
Split: 50/50

For Longevity Treatments

Compare: Treated vs untreated population health costs
Adjust for: Demographics and other factors
Calculate: Net reduction in spending
Split: 50/50

All verified by actual claims data. No estimates. No projections. Just math.

The Beautiful Incentive Cascade

Once one company succeeds:

Year 1: First diabetes cure, $3.3 trillion market created Year 2: Every pharma company pivots to cures Year 3: Heart disease cured Year 5: Cancer eliminated Year 10: Aging significantly slowed Year 20: Death becomes mostly optional

Each success makes the next one more inevitable. It’s a greed avalanche in the right direction.

Objections from People Who Profit from Disease

“But pharma companies need recurring revenue!”

They’ll get it from the 50% payments over 10-20 years
Plus new diseases will always emerge (thanks, evolution)
Plus aging creates infinite demand

“This would bankrupt healthcare systems!”

They’re already bankrupt from paying for treatments
This cuts their costs in half
Bankruptcy from success > bankruptcy from failure

“How do we verify the savings?”

Every insurance claim is digital
Match treated patients vs statistical controls
Blockchain for transparency
Fraud = lose all future payments

“What about rare diseases?”

Pool them together
Same 50/50 split on aggregate savings
Suddenly profitable to cure diseases affecting 12 people

Implementation: Surprisingly Easy

Step 1: Pass legislation allowing 50/50 contracts Step 2: Let insurance companies offer them Step 3: Watch pharma companies compete to cure everything Step 4: Try not to die before your disease gets cured

No new bureaucracy. No government funding. Just changing what we pay for.

The Global Impact

If implemented worldwide:

Healthcare costs: Drop 50-75% within 20 years
Human lifespan: Increase 20-40 years
Economic productivity: Massive increase from healthy population
Pharma profits: Higher than ever (but from cures, not suffering)

Why This Isn’t Already Happening

Simple: Nobody’s incentivized to change the system.

Politicians: Get donations from treatment companies
Regulators: Revolving door with industry
Insurance: Can always raise premiums
Pharma: Making bank on suffering
Patients: Too sick to organize

But the math is undeniable. The first country to implement this wins the future.

The Bottom Line

We don’t need to make pharmaceutical companies moral. We just need to make curing diseases more profitable than treating them.

50/50 savings split does exactly that.

Your diabetes: Worth $180,000 as a lifelong disease Your diabetes cure: Worth $90,000 in shared savings Pharma’s choice: Obvious

The only question is whether we implement this before or after you die from something curable.

P.S. - Every pharmaceutical executive reading this is doing math right now. The smart ones are pivoting to cures. The others will be bankrupt within a decade. Greed finds a way.