I would, where do I sign

If you have to ask this question, the offer is not for you. :-)

How much for a ZJ?

Since I'm not that deep into American pop culture, I had google:

https://www.youtube.com/watch?v=2gVhZT1tHzg

(for those who are also out of the loop)

sourcee: beerfest (2006) ::

Barry Badrinath, down on his luck man-hooker: It's $10 for a BJ, $12 for an HJ, $15 for a ZJ... Landfill: [Interrupting] What's a ZJ? Barry Badrinath: If you have to ask, you can't afford it.

It's like twelve life incomes in the US.

    > 20000000 / (40 * 40000)
    12.5

An obscene amount of wealth.

> twelve life incomes in the US

Or 2 trips to the hospital

Rich people usually have good insurance though.

Insurance always takes more than it gives.

The key thing is that insurance also gets monopsony power over what they pay providers, so they can pay less than the provider would nominally charge.

In the aggregate.