"Why would you not do the work that makes you look like a hero?"

That is the question Cory Morin asks in the clip below. With his company Benji Card, he's proposing a "virtual wallet" strategy that flips the entire model on its head. Instead of the slow "adjudicate-then-pay" cycle, Benji pays providers instantly at the point of service, unlocking cash rates and discounts that often lower costs by 30-50%.

Is it more work? Yes. But if doing some extra work saves your client half their spend, you aren't just a consultant anymore. You're a hero.