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Billy Crystal as Fernando Lamas

Harris Kaplan

Jun 30, 2026

Why do patients faithfully take some medications while abandoning others with far greater clinical importance? The answer lies in how people discount future consequences and immediate rewards.


It’s Better to Look Good Than to Feel Good

What “Who Owns the Problem” and Observability Discounting  Teaches Pharma About Adherence and Innovation


In the late 1980s, Billy Crystal's Saturday Night Live character, Fernando Lamas, had a catchphrase that has quietly outlived the sketch: “It is better to look good than to feel good.” The companion line — delivered to whoever he was reassuring — was “You look mahvelous.” Together they were a punchline about vanity. They also happen to be a remarkably good description of how patients actually behave, and of the reward loop that keeps them adhering: a useful lens for understanding why some therapies achieve extraordinary adherence and rapid adoption while others, often with far greater clinical stakes, struggle on both counts.


Consider three patients. One has been diagnosed with hypertension. Her physician is concerned — genuinely concerned — about a stroke or a myocardial infarction. She takes her prescription home, fills it twice, and then quietly stops. The other patient has just started a GLP-1 receptor agonist for obesity. She is not a more compliant person by temperament. She simply sees the number on the scale move within weeks, and she keeps going back for refills. A third patient is on adjuvant chemotherapy. The side effects are brutal, but she does not miss a single infusion.


Three patients, three very different adherence outcomes, and clinical severity does not explain the gap. Something else is doing the work.


The Psychology of Discounting Future Health Risks

Patients do not process risk the way actuaries do. They discount it — the same way any economic actor discounts a future cash flow. The relevant variable is not simply how bad an outcome is, but how bad it is multiplied by how soon it arrives, run through a steep personal discount rate. Call it future consequence discounting.


Hypertension's long-term consequences — stroke, infarction, renal failure — are severe by any clinical measure. But they typically sit 10 to 20 years in the future for a 45-year-old patient who feels entirely well today. Run that through a discount rate the way a person actually experiences time, and the present value of the threat is small, even though the actuarial severity is large. The physician, trained to hold the undiscounted, population-level risk in mind, owns the urgency. The patient, running their own felt-experience math, does not.


Cancer consequences are also severe — but they are immediate. There is no decade-long discounting window in which the threat can be minimized into irrelevance. The immediacy of the consequence is precisely why oncology adherence looks nothing like adherence in asymptomatic chronic disease, even though both populations are, in a clinical sense, managing serious illness.


This reframes a question that pharma marketers have asked for decades — how important is this condition to the patient — into a more precise and more useful one: how steeply is the patient discounting the future cost of inaction, and can anything be done to shorten that horizon perceptually, even if it cannot be shortened clinically?


Observability Is a Discount Curve Too — Just Running in the Other Direction

The same discounting logic applies on the benefit side, and this is where Fernando earns his place in the argument. A therapy's adherence and adoption curve depends heavily on how quickly its benefit becomes perceptible to the patient — that can even be more important than how great the benefit is.


Visible skin conditions are the clearest case. Psoriasis and eczema patients are managing a condition that is, quite literally, on display to other people every day. The benefit of treatment is socially observable almost in real time, which is a powerful adherence engine independent of the underlying disease severity. Fernando's joke captures something real on both sides of the exchange: the social cost of looking unwell is felt immediately and constantly, while the reward for looking well — the unsolicited “You look mahvelous” from a friend or colleague — is just as immediate. That reward functions as a recurring, socially-delivered adherence cue that an invisible condition simply cannot generate. No one goes up to a patient who’s been diagnosed with hypertension and says, “I hear you’re on an ace inhibitor. Cool!”


GLP-1 receptor agonists are the more immediately commercial consequential example. Obesity has never lacked an effective intervention — diet and exercise work, and have always worked, when sustained. What they have lacked is speed. The honest reason these drugs have produced such steep and unprecedented adoption curves is not that they revealed a previously unrecognized clinical need; obesity's health consequences were well understood for decades. It is that they collapsed the time-to-observable-result from months or years of behavioral discipline down to weeks of pharmacology. The same end-state benefit, delivered on a radically compressed perceptual timeline, produced a completely different patient relationship to the therapy.


Observability and future consequence discounting are, in other words, mirror images of the same discounting mechanism — one governing how much weight a future loss receives, the other governing how much weight a future gain receives. A condition's marketing and adherence profile can be read almost entirely off where it sits on these two curves.


“Who Owns the Problem?”

Put the two variables together and a practical question falls out almost automatically: who actually owns the problem? Not who is diagnosed with it — who experiences the cost of inaction as real, today, and acts accordingly?


Mapped across common therapeutic categories, ownership sorts into five recognizable patterns:

 


The most commercially important cell in that table is not any single row — it is the gap between rows over the course of a single disease. Ownership is not fixed; it transfers. A patient with type 2 diabetes is typically physician-owned at diagnosis and patient-owned once neuropathy or retinopathy appears — that is, once observability finally crosses a threshold the patient can feel. The mistake many commercial strategies make is treating ownership as a static label attached to a condition, when it is better understood as a trajectory with a predictable transfer point that can be anticipated, and in some cases accelerated, by how a brand communicates.


This also explains the chronic orphan problem in cardiometabolic adherence. The physician owns initiation — the decision to start the statin or the antihypertensive. But ownership of continuation is never actively transferred to the patient, because nothing in the patient's felt experience recruits them into it. The result is a condition that is well-prescribed and poorly refilled, not because the patient is careless, but because no one was ever made the owner of the second half of the problem. Closing that gap is a communications design challenge, not a compliance problem: it requires deliberately shortening the patient's perceived discount horizon — making a deferred consequence feel closer, or making an interim marker of progress (a lipid panel number, a blood pressure reading) feel like a visible win the same way a clearer complexion does.


The Innovation Implication

The same mechanism that explains adherence has a less comfortable implication for R&D and clinical development. If adoption is driven as much by time-to-perceptible-benefit as by magnitude of benefit, then a development program optimizing purely for biological superiority may be optimizing for the wrong commercial variable.


This is not an argument against pursuing the best biology. It is an argument for treating speed-to-observable-effect as a first-class design parameter alongside efficacy and safety — in endpoint selection, in trial design, and in how a molecule's value proposition is eventually communicated. Two therapies with identical eventual efficacy will not have identical market trajectories if one delivers a perceptible signal to the patient in two weeks and the other delivers the same outcome in six months. The GLP-1 trajectory is the proof case, but the same logic should inform how earlier-stage programs in chronic, low-observability disease are evaluated: is this asset, beyond being effective, going to be perceptible to the person taking it — and how soon?


Conclusion

Fernando's line was meant as comedy, but it describes something close to a behavioral law of patient experience: people respond more reliably to what they can see and feel than to what they are merely told is true. Hypertension does not lack importance — it lacks proximity. GLP-1s did not discover an unmet need — they discovered a faster clock. And “who owns the problem” is not a fixed property of a disease; it is the visible residue of where that disease sits on two discount curves, one for losses and one for gains.


For commercial strategy, the task is to identify where a brand's true owner sits today, anticipate where ownership will transfer next, and find legitimate ways to shorten the distance between a benefit's existence and its perception. For R&D, the task is to recognize that the speed at which a therapy can be felt is not a marketing afterthought bolted on after approval — it is a variable worth designing for from the start.


What's the best example you've seen of a therapy that successfully shifted ownership of the problem from the physician to the patient? Conversely, which areas continue to struggle because that transfer never really happens? I'd love to hear examples from across therapeutic areas.

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