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Creating a healthcare system where covered operations are invested in versus purchased.

I'm looking for wisdom from an economist. I'm looking at creating a healthcare system where ones covered operations are invested in with with a currency that is specifically designed to be used for healthcare purposes and pay off covered operations. The entire premise of this idea is to build a banking system that funds small/large businesses with this federally accepted currency I call "pulse" that is payed in tandem with their regular paycheck. I also would like an opinion on a creating a "market" where one can purchase another's covered operation at interest. Can this be made possible?


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