What creature lives in the sea and is sometimes 1,000 times more valuable when injured than when at full health?
Please edit the question to limit it to a specific problem with enough detail to identify an adequate answer. Avoid asking multiple distinct questions at once. See the How to Ask page for help clarifying this question. If this question can be reworded to fit the rules in the help center, please edit the question.
I'm going to call him a creature, because - well he is one.
George Bailey, from It's a Wonderful Life
Here's the scene:
George walks into Mr Potter's office to ask for a loan. He offers his insurance policy as security. His policy covers his death, and he is broke right now, therefore he is worth more dead than alive, and quite possibly 1000 times more.