What creature lives in the sea and is sometimes 1,000 times more valuable when injured than when at full health?
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.