The state. If you want a better return on your taxes you should simply drop the fearful, sheltered longhouse mentality and develop a stronger sense of adventure. You've never really lived if you haven't been in a situation where if something goes wrong a medivac is the only way you're getting out alive. If you can't change the system, become the system.
You think of the clown show submarine, I think of John Franklin and Ernest Shackleton.
This makes me wonder what kind of terrifying situations you have been in.