Interesting concept, but the devil’s in the details. A heart‑beat ledger sounds cool, but you’ve got to juggle privacy laws, data integrity, and the fact that a single mis‑step could expose a user to fraud. Plus, every micro‑transaction would add blockchain bloat—why not just use a token‑based health credit system instead of every pulse? I could see the pattern if the math works, but it’s a high‑risk move for a mainstream rollout.