Healthcare administrators grew 3,200% from 1975-2010. Physicians grew 150%. This isn't a funding problem. It's a signal problem. When bureaucrats allocate capital, we get more bureaucrats. When consumers allocate capital, we get solutions to their actual problems. Today's piece makes the case for expanded HSAs and consumer-directed spending as the only viable path to ending chronic disease. The argument draws on Hayek's distributed knowledge problem: no central planner can aggregate the preferences and needs of millions of individuals fast enough to match market discovery. Healthcare destroyed the price mechanism. We need to rebuild it. 100M+ pre-chronic Americans represent $50-60T in future healthcare spending. The current system ignores them until they're sick. Give them capital for prevention and watch how fast markets reorganize.