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When I was in a vat corp, I wondered the same thing as that last anon when I found a way I could have committed suicide. For a bit I had planned to take it (in retrospect I’m glad I found a different method of escape, but I’m pretty sure that one was worse than most vat corps) and was wondering what would happen if I did.
Most clone commissioners don’t buy clone insurance, because they can’t grow a replacement any faster and these are usually people with enough money to just buy a replacement and the insurance isn’t worth it on expectation. Some of them do buy it.