Armed guards at the door. Opioids offered on repeat. Apple Pay at my bedside. Welcome to the American Emergency Room. The French think it bankrupts you. Americans think France does it for free. I’ve been to the ER in both. Both are wrong. Mountain bike crash, dislocated and fractured shoulder. I’m French, I live in San Francisco, and I take slightly too many risks. Let’s compare. Security 🇺🇸 Kaiser in Marin. Three armed guards and a metal detector. My phone set it off, so with my shoulder out of its socket I walked through again. And again. Then a pat-down. 🇫🇷 A couple of unarmed guys with walkie-talkies. Still not sure what they’re for. Wait 🇺🇸 Three people in the waiting room. Seen in 15 to 30 minutes. 🇫🇷 Broken hand: packed room, 4 hours before anyone touched me. Records 🇺🇸 Kaiser is vertically integrated. Insurer, hospital, doctors: one system. They had my file before I sat down. 🇫🇷 Every new doctor is a fresh context window. Zero history, maybe a printout from last time. Infrastructure 🇺🇸 Small hospital, serious kit. Straight to the trauma bay: real bed, IV, vitals monitoring, ready for surgery if needed. All imaging on the spot. 🇫🇷 Broken hand: a plastic chair and a Doliprane. Drugs 🇺🇸 Strong opioids were the default offer. I said no. They insisted. The doctor came in personally, confused why someone in that much pain would refuse. I stuck to Tylenol, an anti-inflammatory, to put the shoulder back in. Yes, it hurt. No, I didn’t tap out. My mom is proud of me. 🇫🇷 Broken hand: Doliprane, opioids never mentioned. I have friends who got their shoulder popped back in with nothing at all. US default: opioids. French default: Doliprane. Bill 🇺🇸 Every nurse warned me: “You’re French, this bill is going to traumatize you.” Before discharge, someone came to my bed to collect payment. Apple Pay, from the hospital bed. $300. For everything. On a ~$500/month Kaiser plan. 🇫🇷 A flat ~€20 ER fee, usually reimbursed by your mutuelle. The real bill shows up later, on your payslip (see below) followup 🇺🇸 Kaiser called me right after to set up follow-up and physio, all in their system. So far, so good. 🇫🇷 Broken hand: discharged, figure it out yourself. A friend dislocated her finger. They put it back in wrong, sent her home with bad instructions, it locked up, and she needed surgery months later. Still not fixed. “Free healthcare” in France It’s not free when your marginal tax rate nears 70% with social charges. And if you want quality care fast, more and more people pay for private clinics anyway. Verdict One person, one data point. But the care was 10x better than anything I’ve had in France, for a price that’s completely fine. France has a lot to learn. And yes, I refused the narcotics to stay sharp enough to launch a NanoCorp from my hospital bed. Launch your first company run by an AI agent: nanocorp .so

Revolut CEO Nik Storonsky: “The US is not that competitive. Europe is even less competitive.” “China is competitive.” “China is 9/9/6. Even if you are good in Europe, or in the US, how can you out-compete the people who work 9:00 to 9:00, six days a week?” “I started in a co-working space with 140 companies. Within 5 years, only 3 companies survived. They all worked on the weekends.” “Within 10 years, only 2 companies survived out of 140.” “Working weekends is a must if you want to survive. Purely statistically.”