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Incognito
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How can "life" insurance prevent the cheapening of death?

There is a form of magic exists which allows a person to revive after death. A ritual is conducted which tattoos a rune onto a person's soul. This rune is connected to a large crystalline structure kept in storage at a secure location. When a person dies, there soul is transported to that crystal, where it gestates for a period of 1.5 years. During that time, the physical body is regrown over the soul, ending in the exact condition that the person was before they died. When the process is completed, the person regains consciousness and is decanted, being reborn at the same age that the person was previously. This process is performed in the case of accidental death, or murder. It can be done as many times as neccessary, providing an unlimited number of lives, but cannot prevent against dying from old age.

Companies offer this as part of a life insurance package. A person pays for the ritual to be done, and then pays premiums every month to keep their crystal functional. Maintaining this is exorbitantly expensive, and can only be afforded by the wealthy individuals and their families. This has become a status symbol among the super rich. It has also led to the creation of royal houses, such as House Kardashian, which are made up of wealthy elites and their families.

What I want is for this system to not lead to a situation where the reality of death is cheapened. As it is expensive, it obviously leaves out the majority of the population. However, a member of House Kardashian, House Buffet, or House Beyonce are likely to get careless if they know they have unlimited backup lives. This can create a situation similar to altered carbon, in which people have backup lives and see death as a relative inconvenience.

How can I prevent this from going down that road?

Incognito
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