Fair point. But what about insurance? Certainly that would cover it. That said, for some there's the appeal of investing locally, presuming the panel is say in

Fair point. But what about insurance? Certainly that would cover it. That said, for some there's the appeal of investing locally, presuming the panel is say intra-state. That type of investing pays different dividends (e.g., grow local tax base, grows local jobs, etc.) Some accept the trade-offs.