Yeah, well, that’s just, like, your opinion, man. And if you remove the very concept of capital gain from your “important point”, I think you’ll find your point to be moot.

I’m also going to assume you haven’t been in such a situation as I described with the whole mental health emergency? Because I have. At best I went to the emergency and calmed down before ever seeing a doctor, and at worst I was committed to inpatient care (or “the ward” as it’s also known) before I calmed down, taking resources from the treatment of people who weren’t as unstable as I was, a problem which could’ve been solved with a chatbot. And I can assure you there are people who live outside the major metropolitan areas of North America, it isn’t an extremely rare case as you claim.

Anyway, my point stands.