Margin For Error
The common assumption that you're fairly safe if you're worth more alive than dead to your peers and family overlooks a slight margin for error available in the equation. The incorrect equation:
Aw > Dw
that we think keeps us from being killed for our insurance benefits pits that value (Dead Worth, or Dw) against potential for future earnings and the future unrealized monetary value of the goods and services rendered as a friend or husband (Live Worth, or Lw) keeps us feeling pretty safe that we won't get bumped off as long as we remain productive. However, this equation does not capture the slight margin of error represented by the transitional cost. Because we're actually alive right now, a certain amount of fiscal impact would occur in the transition. That is, we need to add to the Aw a certain expense involved in the actual death, whether it's $10,000 for a contract killing, a couple dollars for some poison, a couple cents for a bullet, or the trouble of changing the pillowcase after the smothering. Ergo,the correct formula should be:
Aw + CoK > Dw
That is, you can remain comfortably safe if your Dead Worth remains lower than your Alive Worth and the Cost of Killing you.
And that, my friends, is what passes for optimism some days in the mind of Noggle.