Another alternative would be: 1 million people start a union, virtual nation, online commune - whatever you want to call it. They donate 5% of their income. That's used for rental property investments, until we have a decent monthly recurring income from rentals.
Then we invest in other things like members startup ideas (as long as they use a worker-coop business structure).
Eventually we pay healthcare costs for all members, and ubi. 100% of money coming back going back out to the people who created it.
We could eventually buy hospitals, drug companies etc and get a stronger hold on the medical costs as well. Flip the script so self-pay and union members get discounts, and insurance carriers pay higher premiums. Maybe we even startup our own insurance companies in all 50 states. All worker-coops. All with CEO capped pay of 10x worker average.
Essentially using a tactic called 'dual power' to wrest power away from the insurance cartel.
So by building some combination of crowdfund (for when we're under budget), along-side member sharing backed by recurring income, we create a more stable fund that uses 100% of it's money to reward members.
The idea is basically get single payer healthcare outside the government or alongside and force insurance carriers out of the market by coming up w/ something basically non-profit that gives all $$ pooled towards healthcare costs. While working to bring down costs in the industry where possible.
Properties we buy etc... Exec payrates, etc...
One word you mention though -- "Hypernormalisation" -- reminds me of a film that made me see the world differently. I don't know if you intentionally used that term, but the Adam Curtis film Hypernormalisation is, I believe, an absolute must watch, probing for some clarification on the logic of the last 40-50 years of history in our capitalist/neoliberal society.