[llm_nerd]

Not really a counterpoint, but interestingly there used to be a fairly widespread practice of corporations buying life insurance for low level employees. It was often called "Dead Peasant Insurance", and when the employee died the corporation benefited.

It never made an iota of economic sense -- if insurance underwriters are on the wrong end of that deal, they aren't doing their jobs very well -- but a number of large corporations would do it, and gleefully pocket the payouts when rank and file employees died.