they are preparing for a possible full cash out scenario but that will never happen; the smart thing is borrowing against and spending very little. I know.

what's really at stake here is "who's next?" if I die or somebody kills me.

would it be selfish to say that if I die of old age then it all goes back to the people but if I get killed then the assassination clause of the smart contract executes and I instantaneously rug and burn everything?

seems like a pretty good disincentive-based insurance policy to me.

I don't want anyone inheriting this, especially not a man.