Lol... but I don't want that solution.

I'm not against custodial services as rule, it's just the vulnerability to authoritarian overreach that makes it a deal breaker.

Corruption is an ever-present threat but the market can keep it in check if it's free to.

I hadn't thought about the house issue, but I can see it being a headline. Having some kind of insurance against that isn't a bad idea, as long as the insurance policy doesn't eventually eat the house anyway.