> The problem is policy makers don't do anything until the system breaks. This is off-topic but it reminds me of a conversation with my plumber. I tend to fix

> The problem is policy makers don't do anything until the system breaks. This is off-topic but it reminds me of a conversation with my plumber. I tend to fix things before they are broken. It seems that this would avoid catastrophe. I have used same plumber for almost 10 years and apparently I had been calling him prematurely for many minor issues. He was, of course, happy to take care of those issues. Finally, after 10 years or so, we are friends enough where he told me that I should wait a lot longer before calling him. Basically, if I am not panicking and begging him to come over within 24 hours then I should wait. Even with potential water damage, I would have saved money overall. I don’t know how to calculate this but maybe it is cheaper sometimes to fix a catastrophe than to preventively fix something.