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I mean netcode for pc-to-pc games at least isn’t really rocket science. I’m not as familiar with the crossplay aspect, but I’d hazard a guess that it is only difficult because console manufacturers have locked multiplayer networking behind their own subscription services. I can understand why they went the route they did, but maybe crossplay is overvalued if the cost is stuff like this.
And you need to work on your math comprehension. It would be clear to any who can understand basic arithmetic that lifetime healthcare costs in the US are far and away higher than emigration costs.