Let's assume life insurance would cost half of my salary, and pay merely 5 years of my current salary in the case of my untimely demise. I feel healthy enough a

Let's assume life insurance would cost half of my salary, and pay merely 5 years of my current salary in the case of my untimely demise. I feel healthy enough and confident enough to find a cheaper plan an put the difference in government bonds, so that my family is not 100% unprotected but have my future self - who will probably be still alive - collect most of the benefits in a decade or so. Colonizing the Artic/Antartic is way cheaper than Mars, and would help us pick most of the low hanging fruit research for a fraction of the cost. We can always do Mars later if that is the way history turned out. Not to mention that there are much more dire and certain risks today, which will likely cause huge loss of life and property (like climate change, or resource depletion, or geopolitical instability). But because those are not extinction level events, people do not freak out about them and little mitigation is being done.