Specifically in the USA, but feel free to share your status quo. We live in the internet age, doesn’t that cut overhead with filing and make things cheaper?

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    1 year ago

    Because when you need it, you really need it and can’t be too picky about the price. You only have a limited window to shop around.

    So the nash equilibrium is the prices are set dear, but not too high to be impossible to pay.

    Kinda like hostage healthcare in the USA.