Agree entirely with everything you've said. Another point to...

Agree entirely with everything you've said.

Another point to make is that for the platform to work in the US, HMD will need to show a cost savings for the insurance companies to jump on board. This could potentially take some time to gather and work out.

When deciding how much capital to allocate to an investment do you follow the kelly criterion?

I should clarify that my "no brainer" factors in my personal situation. I'm relatively young so risking a large sum of my net worth in my other investment where if successful I would not have to work again seems like a no brainer but as you allude to, I could be and likely am blinded by bias.

Do you have a twitter account or email where I could reach you? Would love to chat further without clogging up the HMD threads with off topic content.