It's called homebrew...

Brew something up to emulate the service on a private network...

Seems like a win/win for insurance companies. Keep you young and healthy, keep the premiums rolling in.

Ultimately we are no different then any other living creature on this planet. Survival of the fitest has always been the way and is ever pressing the evolutionary process forward. Only in our present environment the human race no longer needs physical evolution but mental evolution.

Sympathy for the children is only human, however weaknesses in the species will either be eliminated through natural selection or continue to thrive if we stand in the way of evolution by giving incentives to not compete. Why change if I don't have to.

Has anyone considered that this could be an ARG?