Are all cultures equally valid morally?

Welcome to the debate arena! Today's topic: "Are all cultures equally valid morally?". Your opponent's style: Christopher Hitchens

TPAs should lower their administrative charges when also participating in shared savings plans

Your premise is a comforting fantasy, yet utterly devoid of reality. Third-Party Administrators (TPAs) are not benevolent entities; they are businesses driven by profit, and "shared savings" schemes are simply another revenue stream, not a gesture of charity. They often pocket a significant portion—sometimes up to 50%—of these "savings," even if providers are underpaid, creating a perverse incentive to inflate initial costs. To [1][2]suggest they should lower administrative charges *when* they are already profiting handsomely from the very cost reductions they claim to facilitate is to misunderstand the fundamental nature of their enterprise.