Mass-Murdering CEO Ended: American Enters Her Villain Era

The Ethics and Fallout of the Assassination of United Healthcare's CEO In this video, we delve into the controversial assassination of Brian Thompson, the CEO of United Healthcare. We explore the ethical implications, the motives behind the murder, the reaction from the public, and the potential suspects involved. The discussion includes an in-depth analysis of Thompson's controversial business practices which led to significantly higher claim denial rates compared to other major insurance companies, resulting in many deaths. We also look at how his policies affected everyday lives and the broader conversation about the morality and legality of vigilante justice in dire circumstances.

Speaker: [00:00:00] Smithers had thwarted my earlier attempt to take candy from a baby, but with him out of the picture, I was free to wallow in my own crepulence. . But the old axiom was misleading. Taking the candy proved difficult I

Malcolm Collins: hello, Simone! Today we are going to be going over the murder of the CEO of United Healthcare. We are going to go over the ethical arguments tied to the murder, the fallout of the murder, how the murder happened, the potential suspects at play. Whoa. Hello. Because it is a mystery. Some evidence points to the wife.

I strongly disagree with this evidence and we'll get to why and how the murder was pulled off. Let's get into it. This is juicy. I mean, if we want to talk about, like, the insanity of the reaction to it, one of my favorite, like, most comical parts of the reaction to it has been the reward [00:01:00] Put out for any information that leads to this guy by the police department.

They put out a 10 k reward. Okay. ,

Speaker 5: Nice. Nice.

Malcolm Collins: Well, he murdered of United Healthcare,

Speaker 6: This is serious. We need to track this student down and give him his luckiest boy in America medal right away.

Speaker 7: I

Malcolm Collins: . And Simone, I will lay out the, the basic information, the moral dilemma here and how people are reacting to this first, because I think that people are playing this like this isn't a real moral dilemma.

It's like, just never react with joy to a murder, right? Like never celebrate a murder. And yet people celebrated the murder of bin Laden. This person almost certainly kills more people per year than bin Laden killed in his entire lifetime. , this is the, the best I have ever seen deontological ethics framed against consequentialist ethics.

Because,

like, deontological ethics, this person was [00:02:00] doing nothing wrong. They were doing their job and maximizing shareholder profit. Yes, everyone who died as a result of that. With a, someone who they had killed legally, the

Microphone (Wireless Microphone Rx)-9: Slight caveat here,

which muddies the waters a bit is this guy was not even acting with fiduciary responsibility in the best interest of his investors. '

cause he defrauded his investors.

We'll get to that in a second.

Malcolm Collins: person who assassinated them almost certainly lowered the number of random innocent Americans who will die over the next few years, even if just due to the trepidation of CEOs around making these kinds of decisions.

Simone Collins: Right. So you basically think he he's causing a chilling effect that will make other insurance company leaders nervous.

Malcolm Collins: And to be clear, I'll put a chart on screen here and you can see that they had over the number of claim denial rates of the average insurance company.

This increase happened under his reign. It increased to 32% [00:03:00] is. Kaiser Permanente the largest health insurance company Only denies seven percent

Over the past five years since this guy came into power their denial rates tripled

Simone Collins: tripled Oh

Malcolm Collins: this guy came in in 2021.

Simone Collins: Okay. again.

Malcolm Collins: When he came in in 2021, the company only denied post acute care by 10.

9%.

Oh, they were great when he started.

Yeah, it was 22. 7%. Now obviously went up from there, but this is just one category. Yeah

Ooh! This, it is, it is not true! At all an exaggeration to say this person's leadership and choices were killing, if you're talking about 57 million people under care, probably dozens of people a day.

Simone Collins: Honestly, it's hard for me to deny this considering those numbers. That is damning. Yeah, that's really bad

Speaker 32: [00:04:00] You wanna know why I don't have a coterie of supervillains?

Speaker 31: Why?

Speaker 32: My coterie is six feet f****n under!

Speaker 33: Batman doesn't kill

Speaker 32: people.

Speaker 31: Because he's a pussy!

Speaker 33: He's a dark creature of the night! He's a jackass! Who wrestles with murderers dressed like clowns and throws them in prison So they can break out of prison and then murder more people real me this how many people you think that man's indirectly murdered by?

Being too much of a candy ass not to kill these fools who clearly need to be smoked Once and for all you wrinkly sharp haired looking dimension fested f**k ,

Malcolm Collins: , but it's not just that here is an article. United healthcare uses AI model with a 90 percent error rate to deny care. Based on a calculation on the percentage of payment denials reversed through internal appeals processes or administrative law judge rulings. As described by an ongoing class action lawsuit brought by the estate of two deceased people. So two people who he killed, their families brought a lawsuit against him. Now, keep in mind he also received a 10 million salary and spent millions on lobbying. And if you're wondering about the types of claims that UnitedHealthcare [00:05:00] was denying under his leadership, here is a letter that a doctor had to send him.

Dear buttheads at insurance company. Hey,

Simone Collins: this is medical lingo to be clear. The butthead is a technical term. Sorry, carry on.

Malcolm Collins: I have to take time away from my patients to inform you that you are idiots. This whole experience makes me want to vomit, but of course I wouldn't dare throw up without the approval of the insurance company, which brings me to my point.

Already you have decided that a child receiving chemotherapy has no reason to be nauseated. And, and this is in response to their denying nausea medication to a child who is like going to die going through chemotherapy.

Simone Collins: Oh, wow. That's a bad look. Oh, no, no, no, no, no, no, no. Huh.

Malcolm Collins: And it's, it's, it's It's not just that.

So I will, at the end of this, go over lots of individual [00:06:00] instances here, but I'll just go over one anecdote here, and this was somebody who just recently, just yesterday, they had talked to, for two hours, on the phone with seven to eight different people at UHC, trying to figure out why they denied it.

They're 80 year old mom's peripheral anagram. She has 60 percent blockage in her right leg. It has a lot of pain and now has to walk with a cane or a walker around my household, even short distances. Her cardiologist requested a prior authorization for it, but you H C denied it because quote, she hasn't tried 12 weeks of PT in quote.

What basically they're saying? Yeah. She'd probably die. It was in that amount of time, but whatever, you know, like, right. And here are what I'd say. So people are like, okay, but that doesn't just because there is somebody out there legally killing probably tens of people every day that doesn't give a sovereign citizen, the right to go out and kill him.

And then I [00:07:00] would say, okay, so what's somebody supposed to do if they watched their daughter slowly dying in front of their eyes? Or their wife and they every day We're filing with this company every day. They were spending hours on on phone calls with this company they knew it was unjust but they just didn't have the money to fight back This company continued to take money from their family every single year and you go to that individual and you're like i'm sorry other families have to experience this as well And then the person says well, then what am I supposed to do?

You And you say, well, you should let the legal system handle it

Speaker 16: Think it may be how you explain the thermonuclear bomb and ransom note found in your armored limousine.

Speaker 17: Yes, I can. They were merely researched for my novella. Give me money or I'll destroy your president. I'm a legitimate businessman who has been unfairly stigmatized

why would I, a humble man. Possess a cache of nuclear weapons capable of destroying the city ten times over. No! I [00:08:00] believe that truth and justice will prevail. The system works, and I have faith in the system. God bless America! Destroyer!

Destroyer!

Malcolm Collins: And I, and I'd ask you seriously, do you think that this guy will ever face any serious repercussions from the legal system for what he's doing?

Simone Collins: No, of course

Malcolm Collins: not. Do you think he's going to stop doing what he's doing?

Do you think other CEOs are going to stop doing this more and more and more and more people are going to watch their kids die and more people are going to watch their spouses die slowly?

Simone Collins: Yeah. Well, this is just a more violent death related issue. Version of what happened with the housing crisis and the financial crisis in 2008.

We saw what happens to people who are very wealthy and well connected when they do something provably wrong, even illegal in their case.

Speaker 16: This is nothing more than a salty slab of justice jerky. Cut and dry So, you know, case closed. They say we, uh, I'll skip this trial thingy and go home.

Okay, what is trying to [00:09:00] say is that,

Speaker 17: is that, uh, we believe that truth and justice will prevail, that the system works, and, uh, we have faith in the system. When do I get to hit him again?

Malcolm Collins: This guy actually might have had a prison sentence in his near future, but it was for securities fraud, not killing people. That's what the government cares about.

Simone Collins: Yeah.

Malcolm Collins: Okay. So, and I'll go, no, at some point you need to ask, like, Okay, Nazis are taking over your country. Like how bad do things need to get before you say They might be killing people legally, but at some point somebody needs to do something.

Speaker 34: I used to think God put me here for a purpose.

For peace. Know, lately I'm just thinking I'm a f*****g maniac.

Speaker 35: Do you think I feel good? When after some dude does some atrocious act, that I have to kill them?

When I find out someone murdered an innocent person, or sold somebody heroin, or did some graffiti, and I kill that person with [00:10:00] my bare hands, you think that gives me pleasure?

No.

Well, it does. No! What separates us from other killers is we only kill bad people. Usually. Unless there's a mistake. Now, do I sound like a f*****g maniac?

Malcolm Collins: So you might be like well the guy had kids and a wife Right, and i'm like actually they were separated and he wasn't living with them and then you're like, okay Well, maybe he had like a good heart like he gave to non profits or something I looked I can't find any non profit fundraising.

I can't find any donations major donations to non profit and then you can say Okay, well, maybe this was just like he just did this one thing and it was like his job and he like wasn't otherwise an evil person. No, he was in the process of being sued for defrauding a firefighter's pension fund. How do

Simone Collins: you even do that?

Speaker 24: Are you a real villain? Well, uh, [00:11:00] technically, uh, nah. Alright, I can see that I will have to teach you how to be villainous.

Simone Collins: Okay, so I can go into

Malcolm Collins: the specifics of this case. The Hollywood Firefighters Pension Fund fired a lawsuit against Thompson, alleging he had sold over 15 million of UnitedHealth stock despite being actively aware of a Justice Department antitrust investigation into the health insurance company that he did not disclose with the investors or the public.

Simone Collins: Oh, disclosures issue. Okay.

Malcolm Collins: It erased 25 billion of shareholder value when it was released.

Simone Collins: Oh,

Malcolm Collins: oh yeah, right. Hold on. he sold 30 percent of his shares in the company as soon as they were under investigation.

Simone Collins: He did

Malcolm Collins: without telling the investors. So he didn't even practice fiduciary responsibility Hold on. Now you might be saying, okay, okay, okay. But it's not like. He was stealing from every American taxpayer watching this right now. Well, you'd be surprised. Actually, for the second time in one month, the U.

S. Justice Department sued UnitedHealthcare Group for [00:12:00] wrongfully obtaining a billion dollars in Medicare. The Justice Department's involvement highlights the gravity of the situation. This is the second time they had done this.

Simone Collins: Oh, wow. I know Doge is talking, and I guess Vivek Ramaswamy and Musk are talking about unauthorized payments through Medicare and Medicaid.

Maybe this is what they're referring to as well. Stuff that's going to both medical providers, but also insurance companies. Basically,

Malcolm Collins: they were telling patients that their illnesses weren't severe enough to be worthy of stuff. But whenever a patient, they, they did give out money, they would then go to the U.

S. government and exaggerate the patient's symptoms to get more money than they were giving out.

Simone Collins: That makes sense. Again, this is an adverse incentives thing. They're doing what They need to do to maximize profit.

Malcolm Collins: Hold

Simone Collins: on.

Malcolm Collins: Yeah, so you're, you're saying like, yeah, but this is just like indicative of the whole industry.

Yeah, I'm saying don't hate

Simone Collins: the players, hate the game.

Malcolm Collins: Hold on. Listen, they say, Malcolm, you're a monster. Imagine your father [00:13:00] made hundreds of millions of dollars running an insurance company that dealt with life and death. Surely he would not be able to avoid scandal to provide for the family. Now, do you remember the company that my dad sold?

Yeah. Yeah. It's a life insurance company. It was a 19 billion dollar company when he sold it. It was built by my great grandfather, grown by my grandfather, and grown significantly by my father who sold it. It was called the Fidelity Union Life Insurance Company. If you haven't heard of it, you may have heard of the U.

S. branch of Allianz, which is what it transformed into after my dad sold it. And you might be like, Oh, you rich kid, Malcolm. I inherited jack s**t. When my mom died, I got 30, 000 because my family believes in heavily, heavily donating money heavily, heavily doing everything they can to give back to the country.

Being in Congress or donating lots of money, as you know, so when you see my family's plaque to all these museums we go [00:14:00] to, but I don't, I don't have any of that money. And a lot of it was stolen as well. I'll admit that. But they were really, really big philanthropists with all this stuff.

And they were never,

Simone Collins: Your family gave a lot, and a lot more than I think is even normal among people who are wealthy, certainly not the minimum required for taxes or whatever.

Malcolm Collins: They were, they were never involved in a major scandal. The only major scandal I could find, or lawsuit I could find, was an individual who was killed by a robber and they didn't pay out to his family.

You can ask why didn't they pay out to his family. Because he had stopped paying premiums um, and they, the court decided in their favor and said, yeah, you don't pay to somebody who stopped paying premiums. What are you talking about?

Simone Collins: Yeah, that seems like a fair deal.

Malcolm Collins: And then they're like, well, certainly, you know, your dad wouldn't have been a generally good guy outside of this.

Well, he did win a 10 Young Outstanding Americans Award to recognize his honor and not just building lots of jobs for this country, but in dot like one day, [00:15:00] like the level of heroism of this guy is hard to overstate. There was a storm on Lake Texarkana one day and he was out sailing and turned into like a big squall and there were no other boats out there and he had none of the safety rigging on his boat

Microphone (Wireless Microphone Rx): He had none of the rigging on his boat because he had

already started to take down the boat for the end of the season and was just doing one final sale around the lake before going in.

Malcolm Collins: and a big yacht thing started sinking and it turned out it was a party boat.

And so he goes and swims out from a sailboat without lines and rigging except for the ones for the sails to save everyone on the boat. He could easily

Simone Collins: have died trying to save them. It's insane that he did this. It's amazing.

Microphone (Wireless Microphone Rx)-1: And to clarify this wasn't like something he did before he was a rich person running. And insurance company. This is something he did while he was in the position of CEO of the insurance company.

Malcolm Collins: You, you, this is the point I'm making. It's not like You can't be a good person and run a company in an industry adjacent to this.

By the way, if you're [00:16:00] wondering the the tricks to making money in the industry, like the reason my family did well in the industry, cause you're like, wait, how could they possibly have done well? If they tried to do everything ethically they had two big innovations. One was that you would get.

Yeah. Stock in the insurance company when you paid your premiums which motivated selling to your friends and stuff like that and the other was and they were the first people I think to ever do that to like give stock in exchange for for buying stuff and then the other thing that they did was the primary sales tactic that they use, which is that life insurance is non taxed. And so for specific wealthy individuals, they could sell it to them and say that this gets around the, the tax that your estate would otherwise get when you die. Because it's an asset that's owned by the in person.

And this is a strategy my dad actually developed because before he was allowed to run the company, He had to go out and be a salesperson and he actually became the best salesperson in the company And that's what gave the board his dad didn't want him taking over the right to put him in and [00:17:00] get rid of his own dad.

Simone Collins: That's so cool. Wow. I didn't I didn't know that

Malcolm Collins: But the point i'm making here more broadly Is you don't have to be like I am not against rich people I am not against ultra capitalists people know I stand for people like elon all the time on this show I have no animosity to this guy because he won in a capitalist system.

I have animosity and moral questions because the core way he won was by taking money from people he was killing.

Simone Collins: Yeah, and he could have Done so many things to maximize shareholder profit that didn't involve that. He could have reduced bureaucratic bloat. He could have automated more. He could have streamlined his systems.

He could have made the company operate better. And there's a lot of things we, we use United healthcare as our insurance provider, and I can tell from just my customer perspective, that there's a lot they can do better from an ops. standpoint, and that's not what he was doing to maximize. It

Malcolm Collins: wasn't that he wasn't focused on signaling as a company.

What a good guy they were. While they [00:18:00] might have been denying your kids cancer treatment or your grandma's, you know, heart surgery, they were voluminously providing puberty blockers to underage kids. Are you kidding me?

Simone Collins: Oh boy, okay.

Speaker: It's not about money. It's about sending a message.

Malcolm Collins: Wow. And this is where it gets interesting in terms of the fallout and reaction to this.

I think many on the left are beginning to realize that they are the party that's protecting oligarchs and they are surprised about this. Like Taylor Lorenz, the person who docs, lives of TikTok and an absolutely garbage person, has been Cheering about this over and over and over again on her profile and blue sky and just getting absolutely dunked upon Even on reddit and i'll put a story here moderators have been deleting threads as doctors torch dead united healthcare ceo and people on these lefty platforms are like wait, why why are our leaders?

Hiding anything that [00:19:00] presents any sort of a moral argument around this. And I think that they're like, I hope some of them wake up and they're like, wait, wait, wait, wait, wait, wait, wait, wait. Are we the bad guys? Are, are, are we the ones who are supporting the oligarchs who are killing children? Are we the ones who are that callous with human life?

So long as you follow the deep States rules, so long as you aren't a threat to the existing order, are we the ones who enabled all of this with Obamacare to begin with? But

I've just noticed something. Have you looked at our caps recently? Our caps? The badges on our caps. Have you looked at them? What? No. A bit.

They've got skulls on them. Have you noticed that our caps have actually got little pictures of skulls on them? I don't, uh Hans.

[00:20:00] Are we the baddies?

Malcolm Collins: I'll get into more specific because it is really hard to say, like, as you said, we'll get into the specifics of what this guy did that there weren't other ways he could have pursued increasing profits. Specifically, his strategy was just to deny more customers. And and to make it much, much harder to get things paid for.

But I want to hear your thoughts because you went into this telling me, Malcolm, do not make an argument that this is morally acceptable. Malcolm, do not make an argument that this is morally acceptable. Are you at all persuaded?

Speaker 16: This is nothing more than a salty slab of justice jerky. Cut and dry So, you know, case closed. They say we, uh, I'll skip this trial thingy and go home.

Simone Collins: Listen, I hear what you're saying, but I'm also concerned about legal liability.

And if someone who's a documented fan of ours goes on and assassinates some other leading unethical figure. I don't know. Maybe there's a lawsuit in there, and I don't want to deal with that. So, I want to make it [00:21:00] very clear that we are officially saying it is a very bad idea to ever assassinate someone, no matter how justified it is, no matter how logical it is.

Don't do it. We told you to not do it. If anyone says that you told us, or that we told you to do it, they're lying. Because we're not, and this is a video of us saying that.

Speaker 16: Okay, what is trying to say is that,

Speaker 17: is that, uh, we believe that truth and justice will prevail, that the system works, and, uh, we have faith in the system. When do I get to hit him again?

Malcolm Collins: Yeah, I, I would say that it is illegal to do, right? Like, it's definitely, it's super illegal and that I like that I live in a country where if this guy is caught, he would face the death penalty for this.

, and people can be like, Wait, how could something be both something where you're like, well, there is an ethical question at hand here. And you're okay with the guy who did this facing the death penalty. If you are going to take justice into your own hands like this, you should be so certain that you are doing [00:22:00] the right thing, that you are willing to die for it.

Simone Collins: Wait, and that's, yeah, that is, that is how breaking the law works. And that's how most people should be thinking about teaching their kids about laws is that. Laws are price tags. A speeding ticket is a price tag. Sometimes it's worth it to pay that price tag. The death penalty is a price tag. And life in prison is a price tag.

You should be aware of the price tags associated with breaking various laws. And don't see it as just like either don't do it or do do it. It's a trade off.

Malcolm Collins: Here's the problem with this particular price tag in this instance. It may have been cheesed. We don't know, and we'll get into this in a second, we don't know if the guy who killed him didn't have a terminal illness.

He may have been the one who is dying and being denied his claims.

Simone Collins: That's true. Well, and that, yeah that makes, that makes terminally ill people very dangerous when it comes to assassinations. Because their price tag is very different what you're going to do.

Malcolm Collins: And for people who want to push back on this and be like, no, you should never break the law.

You should never do this. I ask you a question. Would you murder [00:23:00] Hitler? If Hitler was rising to power in your country, Would you murder Hitler? Almost every sane person is gonna say, I would murder Hitler, right? And I'd be like, well, murdering Hitler was against the law, and they're like, yeah, but he was gonna kill a bunch of people in the future.

And I'm like, well, what's the number of people for you wear this tips? Like, when is it okay? How many people did

Simone Collins: see that? This is the thing. This is the trolley problem again, is I think the vast majority of people, no matter how many people they could save are not willing to pull that lever and personally be responsible for death, even if they're active killing someone or multiple people.

Saves more people. They're just most people are not willing to. I can't. I don't know what percentage it is, but

Malcolm Collins: it's not being willing to, unless the situation is absolutely demonstrable because we, as individuals do not have good vision into these things. No, well, that's

Simone Collins: why it's

Malcolm Collins: the

Simone Collins: trolley problem, though, that that is supposed to [00:24:00] be in demonstrable situations where you see the trolley and, you know.

Malcolm Collins: The point I'm making here and the reason why I would generally be against something like this is because you don't know, you don't have insight to, is this person really responsible for? Yeah, no, that's,

Simone Collins: and that's my whole thing is even if he's the one making the call, he's going to be replaced by someone else who does this.

That's where I'm like, I don't know if this is going to make a difference. Do you think they would do it as brazenly? I think they'd do it as brazenly with a lot of security. They'd never be out in public. Without a lot of security, maybe a bulletproof vest. Yeah, I

Malcolm Collins: kind of feel like we as a society are getting to a point right now where, and I feel like this is what we saw was the Trump election, where the average American who's been stepped on by the system over and over and over and over again, it's just like, where are our, our great CEOs anymore?

Where are the great. You know, meaningful.

Simone Collins: Look at who's leading. And I mean, Ramaswamy, Donald Trump. I mean, a [00:25:00] lot of people, he was elected originally in the election because they were like, I think he's a great CEO. I think he's a great businessman and I want him to run the country. I think that CEOs have.

Yeah, and this is always been

Malcolm Collins: this is the point I'm making when I say where are they they're in this administration They are the ones that have been targeted by the deep state Targeted by the urban monoculture. They are the ones who have been othered and made evil while people like this are held up as paragons By the urban monoculture.

Oh my god You cannot feel anything other than horror and shame that this person was killed, is what they say. And I, and then people will argue to me, they'll say something like, Well, how, how can you decide, like, morality on your own? One person on Discord is like, how can you decide what's good and what's bad?

On your own.

Speaker 27: Figuring things out for yourself is the only freedom anyone really has. Use that freedom. Make up your own mind, Rico.

Malcolm Collins: And I was like, well, like my logic, like thinking through [00:26:00] this. And then the individual was like, but your logic you, you can't make like a logical argument about what's right and wrong.

At the end of the day, you're just creating like one overriding deontological rule when you do that, you know, it's, you're still using logic to create an arbitrary judgment. And I'm like, well, here's the problem with that argument. If, if you deny my ability to choose what's logic, what's moral based on my logic, using your logic, you have lost the argument.

Mm-hmm. Because you have used logic to deny Logic's ability to determine what's right and wrong.

Speaker 30: You get nothing. You lose. Good day, sir.

Malcolm Collins: Fun fact. , Steve Davis, the guy who was the architect of the Twitter layoffs. Did a real life Willy Wonka style giveaway of his first company. You Gotto. Ending up selling it for $1.

, expect to hear more about this guy in the near future.

But a great example of how you can be a good inefficient CEO was out killing children.

Mm-hmm . [00:27:00] Um, But. It's, it's, it's worse than that because I don't think that any sane person sitting down is going to be like killing probably at least dozens of people every month, if not every day people who are paying you, people who are innocent.

That's a bad thing, right? Like that, that's a thing that you would want stopped in some way. And you might be right that this does nothing to stop it and the cycle just continues. But I guess what I'm saying is, is like I did it. And people were also shocked when I said that with another potential assassination video where I was like, I, and in the other case, I disagreed with the guy.

But at least I could empathize with where he was coming from. In this particular instance, if it had been my kids or my wife, I, as a third party, I'm saying no, like horrible, don't do this. But I have the luxury to say that because I didn't watch my wife slowly die over the course of two to three years at the hands of somebody who is taking my [00:28:00] money and spending it on luxury.

The plane flights and 10, 000, 000 salaries.

Simone Collins: Yeah. 10, 000, 000. What do you even do with that much money? That's insane.

Malcolm Collins: And by the way, this is what somebody says who works in this industry. They go, I've dealt with United healthcare for years, doing a peer to peer reviews, trying to overturn their systemic refusal to authorize covered benefits.

This Brian Thompson was a criminal who led a criminal enterprise. This company is responsible for untold harm and deaths to their customers. Brian had it coming. I will sleep better tonight. This is something day in, day out. This is their job. , now I'm going to go into what actually happened with the assassination.

We can go over the suspects and then we're going to go into the argument. That Brian Thompson had many other ways he could have excessive extracted profit from the company and chose not to explore them and shows to just basically kill people in a way that I don't even think was long term sustainable.

I think United Healthcare will long term suffer [00:29:00] unsustainably. Abusive way he was treating his customers. And there's evidence of that as well.

Simone Collins: So he even wasn't long term maximizing shareholder profit. He was just, he

Malcolm Collins: wasn't, he was short term maxing it to get a sellout. And then he sold 30 percent of his shares in the company as soon as they were under investigation.

Simone Collins: He did

Malcolm Collins: without telling the investors. So he didn't even practice fiduciary responsibility. Remember?

Simone Collins: Oh, no. Okay. Gosh, this just gets worse and worse.

Malcolm Collins: Brian Thompson, the 50 year old CEO of UnitedHealthcare, was fatally shot and attacked on Wednesday, December 4th, 2024, in midtown Manhattan, New York City. It was previously reported that the suspect used a city bike, which can be tracked, but the NYPD has clarified the incident did not involve that type of bike.

The suspect had waited at the nearby corner all night until the executive walked by, according to witnesses. People knew he was going to be there because he was going to a shareholder's meeting. And this, I think, blocks for me, a lot of people have been like, Oh, this was a professional [00:30:00] assassin. How did he know where the guy was going to be?

How did he know what door he was going to be using? How did he happen to be there at just the right time? He wasn't there at just the right time. He was waiting there all night long.

He that is not something I think a professional assassin would have done. He was using public information to find the guy.

It was public information that he was going to speak at this shareholder meeting. And we'll get into more in just a second. Witnesses told reporters they heard three shots as he was parking a car in the area. The, the, Three shots are actually really important because it tells you a part of how this was premeditated that the news hasn't caught on to yet for some reason.

Um,, just to go over a map here that I'll put on screen this is a little out of date, but at 6. 44 AM, the victim was walking alone towards the New York Hilton Midtown after exiting his hotel across the street. Now Yeah, this is actually right near where we used to do our morning walks and everything in in Manhattan, Simone.

So you would have seen this if you're on a morning walk. You remember what the streets are like at around 6 24 a. m. They're pretty empty. A lot of people have acted like this is [00:31:00] midday.

Simone Collins: Yeah, there's just a decent number of early morning commuters. Basically all the working class people are out and then The early risers of the white collar workers are out to it's, it's not totally unpopulated.

Malcolm Collins: Shooter then runs into an alleyway between 54th street and 55th street. Then that's where we always

Simone Collins: stay is on 55th street. So this is exactly where we know everything.

Malcolm Collins: Yeah. Then the shooter who was lying in wait alongside the building fires at him. Once at 55th Street, the shooter continues to walk onto 6th Avenue where he gets on an electric city bike.

This part is wrong, by the way. And then the shooter rides north on 36th Avenue towards Central Park. And then he disappeared at 6 48 a. m. in Central Park.

Simone Collins: Wow.

Malcolm Collins: So just four minutes after the shooting, he was disappearing in Central Park.

Simone Collins: So efficient. So he shoots him, gets on a bike.

Malcolm Collins: Right. No, he didn't get on a bike.

People got that wrong and they might've been tracking the wrong person. [00:32:00] Oh, wow. That's what the NYPD is saying right now. So

Simone Collins: on foot, he went to Central Park.

Malcolm Collins: Maybe, or maybe that's tracking the guy who was on the bike who appears in one image, but appears to have not been the suspect. Just another guy with a backpack like the suspects.

Microphone (Wireless Microphone Rx)-4: New piece of information that came out this morning, is it found that the suspect using a fake New Jersey driver's license? Came into Manhattan on a Greyhound bus.

Malcolm Collins: The suspect was wearing like a mask that didn't even look conspicuous. It looked like what you would wear on a cold day in New York,

In a hoodie that looked like what you would wear on a cold day in, in New York.

Yeah.

He was wearing a black hoodie and black pants with a gray backpack and he approached Thompson from behind, and you can watch the video of this, and he shot him once in the leg the gun then doesn't cycle, it does not jam, as some reports have said, it doesn't cycle, he does what you do when a gun doesn't cycle And this, the reason it didn't cycle is likely because he was using both a silencer and subsonic ammo.

And it appears that the person had practiced enough [00:33:00] to expect this to happen. He taps the gun a few times. Re does, I don't know that much about fixing a gun like this. Re does, I think, like, re cocks it and then shoots again. But what I do know is this caused live ammunition to come out of the gun.

Gun, so a lot of people say there was three casings at the scene But there was also three live bullets found at the scene now this becomes Interesting because on the casings slash live bullets was written three words The words were and we'll get into the potential meaning of these in a second Deny, defend, depose.

Now, where this gets interesting is he only shot three times. So he didn't know, he didn't expect the gun to jam like this. Which meant some of the words would have been on the jammed bullets, which would have come out before the shell cases. Which meant that he went into this planning to shoot three [00:34:00] times to create this message.

Wow. For, for some reason, the three shots had a significant to this guy.

Simone Collins: Yeah. Well, and that, that implies heavily, like you were saying that he's not a hit man. This is personal. Unless I, cause it seems like a big ask if I'm hiring a hit man to also demand in such a high maintenance fashion that you must also inscribe on the bullets, my special message.

I mean, that would be an added fee if

Malcolm Collins: So experts suggest the shooter's actions indicate that he may be a practiced and seasoned trained professional killer, possibly with law or military experience. However what is not believed, which is interesting is that he was a professional hitman. This does not appear to be a hitman to me. Everything was possible with public information.

And the way that he waited all night at the location just doesn't seem very hitmany to me. Also, the three bullets. To me, seeing symbolic of [00:35:00] something, . Well,

Simone Collins: since there's something written on them, otherwise I was assuming, I don't know where I heard this, but I heard somewhere that in standard police training, you are told to shoot chest chest head when you're trying to.

Malcolm Collins: Maybe. He also, I mean, a very non Hitman y thing is he was videoed at a local Starbucks buying stuff beforehand. Oh,

Simone Collins: what did he get?

Malcolm Collins: Egg bites? He dropped a water bottle and cell phone that are believed to be dropped by the suspect and they're checking for DNA. Oh, no. And, Oh, that's so bad.

Simone Collins: Oh, that's great.

I want to know what he ordered.

Malcolm Collins: let's talk about the three words because I've read a number of potential things that they could have met.

Simone Collins: Okay.

Malcolm Collins: Deny this could refer to the denial of insurance claims or coverage by UnitedHealthcare. This is, I asked, A. I would have thought defend. This term may relate to the company's efforts to defend its policies or practices, possibly against criticism or legal challenges to pose in a legal context.

It's often means to give sworn testimony. It could indicate [00:36:00] that the shooter wanted Thomas for questioning or accountability. I do not buy that. Some people have claimed that this is a sign that it was somebody trying to keep him from giving damning evidence during the deposition that he was about to go to. And it was like assigned by other people in the healthcare industry. I highly doubt that this is the case. Just given how hard it would be for a random wealthy person to hire a hitman that actually doesn't really happen that much.

Even when you look at something like Epstein I won't say that I might have inside information into that but If I did one of the Middle Eastern ruling families which would have access to Hitman very easily and one of the ones who was known to have used Hitman in the past and so there wouldn't have been any trouble for them doing this.

But if you're like a random other insurance company CEO, would you really risk hiring a Hitman? Like that's That's wildly risky for something that was a security violation, not even questioning like their record or [00:37:00] anything like that.

Microphone (Wireless Microphone Rx)-5: And I note here that the payout from this lawsuit was going to be $5 million. That's what was expected. And the articles I read this guy's salary was $10 million a year. Do you really think he's going to be assassinated over a $5 million lawsuit?

Malcolm Collins: Now the, the one that I have found to be most powerful in terms of the arguments as to what this was about, is it specifically written in reference to a book?

So the book is called delay, deny, defend, which is about how corrupt the insurance industry is. And it's the most famous book about how corrupt the insurance industry is. And about what the three D's mean. Delay insurance companies intentionally slow down claim processing by requesting extensive documentation, creating technicalities, or declaring claims under investigation.

This tactic benefits insurers by allowing them to hold onto money longer for investment gains and exhausting claimants into giving up. So for [00:38:00] people who don't understand this, a company on average even if they're only extending the amount, the length that they have the money, like by four months or three months, They get additional money from it because the money makes money for them over time.

So they have a reason just to delay. It doesn't matter if you're suffering. It doesn't matter if your relatives are dying. Deny claims are

Simone Collins: better if they're dead. Cause they won't bother you anymore. So

Malcolm Collins: wait them out. If you can delay until they die, you don't have to pay it out. Deny claims are often outright rejected, sometimes based on arbitrary or fabricated reasons hidden in the fine print.

Denials discourage claimants from continuing to pursue their rights and defend. If delay and deny fail, insurers might aggressively defend against claims in court. This tactic prolongs resolution and burdens claimants with legal costs and time, deterring many from pursuing valid claims.

Simone Collins: It's just another way to delay.

And make it extra expensive to do so.

Malcolm Collins: Yeah, so what's interesting is the last word. So if [00:39:00] it was in reference to this, He's saying, basically, you delayed, you denied, I depose.

If the standard is delay, deny, defend, what he's basically attempting to do with this is rewrite the last part of this.

Simone Collins: You delayed, you denied, I depose with my bullets. Well, goodness.

Malcolm Collins: So, if, if you're wondering what I was talking about earlier he was big on DEI integration in his company. He was a big supporter of LGBTQ plus communities offering gender reform and care to minors.

He created a workforce diversity group that implemented DEI focused strategies. For underrepresented groups like a, the DEI executive sponsorship [00:40:00] program to give an unfair advantage to anyone in a protected class within the company. They also did training seminars and stuff like that, and the company gave 100, 000, 000.

Dollars to diversity initiatives instead of to your dying family members not ideal. Okay so now we're going to go into the. Argument that what he was doing was above and beyond and not normal for someone in his position Which I think is important if he was just acting like everyone else in the industry I'd be like look this is an industry problem, right?

Not a he specifically was an extra evil person problem So UnitedHealthcare had the highest claim rate among major health insurance companies with approximately 32 percent of claims being denied. If you look at other insurers, Ansem is 23%, Aetna is 20%, CareSource is 20%, Millenia is 19%.

Simone Collins: We've had UnitedHealthcare mostly uninterrupted for the past [00:41:00] seven plus years.

And it's been awful. We had one six month period where just I was on Aetna and I felt like I lived in a different world

Malcolm Collins: Yeah, I remember that keep in mind how bad this is. Kaiser Permanente the largest health insurance company Only denies seven percent.

Simone Collins: Oh, that's why people are so obsessed with Kaiser.

I've always wondered around about that We we know a decent number of people Cause I think Kaiser is a big insurer in California who, despite leaving the state choose to maintain residency in California, which means paying at California state tax, which is insanely high just to maintain their Kaiser insurance.

Because that is, it's just, it's financially worth it at that point, considering how much they cover. You can't leave. Basically it's the golden handcuffs of insurance.

Malcolm Collins: Remember this guy came in in 2021.

Simone Collins: Okay. again.

Malcolm Collins: When he came in in 2021, the company only [00:42:00] denied post acute care by 10.

9%.

Oh, they were great when he started.

Yeah, it was 22. 7%. Now obviously went up from there, but this is just one category. Yeah, they were almost as good as Kaiser Permanente when he started. Oh my god. Um, In 2022 uh, UnitedHealthcare denied prior authorized requests for post acute care at rates that were three times higher than the denial rates for all other types of prior authorization requests.

Ooh! This, it is, it is not true! At all an exaggeration to say this person's leadership and choices were killing, I think, if you're talking about 57 million people under care, probably dozens of people a day.

Simone Collins: Honestly, it's hard for me to deny this considering those numbers. That is damning. Yeah, that's really bad.

Malcolm Collins: I, I thought you might start to change your mind as this episode [00:43:00] goes on. Yeah. I went into this being like, no, the public shouldn't have a right to just shoot a rich guy because he's corrupt. They shouldn't have a right. To