See the "clinical studies" section here:
https://www.fda.gov/medical-devices/guidance-documents-medic...
"designs dissimilar from designs previously cleared under a 510(k), such as those incorporating significant new features or algorithm techniques new technology, i.e., technology different from that used in legally marketed arrhythmia detectors indications for use dissimilar from arrhythmia detector and alarm devices of arrhythmia detectors of the same type."
And those studies aren’t cheap. A Phase II cardiovascular feasibility trial runs roughly US$7 million. If you go pivotal (Phase III), you’re easily in the $11.5 million–$53 million range. Source: https://www.sofpromed.com/what-is-the-cost-of-a-clinical-tri...
We absolutely cannot create a hacker culture of medical devices with these kinds of costs, and in the long run, not having a hacker culture is going to massively slow innovation, and with it, the opportunity to reduce the cost of healthcare and improve the quality.