How did you miss this? It was a big thing at the beginning of the 2nd season. Innies are aloud to resign, no question asked. That was one of the reforms Lumon made for the innies. Irving almost resigned, but Dylan convinced him to stay.
At the very least there should be a law, forcing any health insurance to at least cover all costs needed to insure survival and long term health. And what is needed for survival and long term health is defined by the Doctor and not by the insurance company!!! Honestly, no idea why this is not law in any rich country in 2025!
The consciousness transfer was something I thought about as well. I think Jame said something to Helly (at the same scene in season 1 episode 9) about he wants Helena to be at his revolving. It somehow sounded to me like rebirth? And a transfer of consciousness could be seen as rebirth. Maybe Jame even wants his consciousness transformed to Helly (the Innie) now? Because he sees Kier in her but not in Helena?
I bet some of our speculations are true and some false.
I pray to Kier it won’t take another 3 years till we find out more! :)