Evan Crestfall stood at the edge of the busy adventurer plaza and watched chaos unfold in front of him. The morning sun had barely risen and the guild had already posted a long list of new quests. Dozens of adventurers rushed toward the boards with excitement but Evan noticed the same problem he had seen since the moment he arrived in this world. None of them understood risk. They walked into danger with blind courage and almost no preparation. The guild employees were overwhelmed as usual and the city guards were carrying two injured adventurers back from a failed night raid. It was a scene that repeated every day.

Evan had been in this world for only three weeks but he had already counted twenty seven deaths inside the city walls. Most of these incidents could have been avoided with basic planning. Some adventurers had no medical supplies. Some forgot to check the age of their potions. Some did not know how to measure mana pressure before entering caves. They relied on loud bravery and luck. These patterns troubled him. Back on Earth he had worked as a risk analyst for a large financial company. He understood how to measure danger and how to prevent loss. In this world danger was everywhere yet no one measured it. He wondered how anyone survived long enough to earn a living.

He walked toward the guild entrance where an older receptionist was trying to organize the line of impatient adventurers. Her name was Mira and she was one of the few people in the guild who had patience. Evan stepped aside as a tall warrior pushed through the crowd with a sword twice his height. The warrior laughed as he waved his new quest slip. The slip was still wet with fresh ink. Evan looked at the ink and noticed a slight swirl in the markings. It meant the dungeon the warrior planned to enter had unstable mana flow. The swirl was a sign most people ignored but Evan had seen the same pattern in places where the death rate was unusually high.

Mira sighed as she watched the warrior rush out the door. She turned to Evan and forced a tired smile. You are observing again she said. Evan nodded. I am collecting information he replied. The guild has so many accidents but no central record. Mira nodded because she had seen the accidents for years. The guild kept a simple list of fallen adventurers but they never analyzed it. It was more of a memorial than a useful tool. Evan asked if the warrior would survive. Mira shrugged. He is strong but that dungeon is unpredictable. Last week it swallowed an entire team. Magic storms happen without warning.

Evan wrote a few notes inside a small leather book. He had filled half the book in three weeks. Every entry described a pattern of failure. Missing equipment. Overconfident warriors. Novices joining advanced quests. Monster migrations that happened on certain days. If plotted on a chart these events could show patterns. If measured carefully they could become predictable. Evan wondered why no one had tried to use numbers to guide adventurers. People here accepted death as normal. That acceptance felt wrong to him.

He walked through the plaza again. A young mage practiced small flame spells while talking to a merchant. A thief sharpened his daggers and ignored the crack on his left blade. A healer prayed for her team but did not check the purity of her herbs. Evan watched all of this and realized he could do something about it. These people were brave but unprepared. They needed protection far beyond what the guild provided. They needed planning and structure. They needed something like insurance though the world had never used that word.

He stopped near a bench and studied the adventurers who were preparing for a journey toward the dark forest. Six people carried heavy backpacks. One carried no water. One had boots with worn soles. One argued about which direction to take. Evan wanted to warn them but he knew no one would listen. To them he looked like an outsider with strange notes. He knew he needed a way to make them understand the value of risk control. He needed a system and a business model. He needed to build something that would protect their lives and earn their trust.

As he watched them leave the city, Evan whispered to himself. This world needs insurance. Real insurance. Not luck. Not hope. Something that measures danger and reduces loss. Something that tells adventurers when a quest is too deadly. Something that compensates families when tragedy happens. This world needs a company that treats survival as a priority. And I can build it.

The idea struck him with surprising clarity. He imagined a small office with a sign reading Adventurer Insurance. He imagined offering basic plans for beginners. Compensation for injuries. Financial help for families. A structured method to evaluate risk. He could use magic tools combined with numerical models. He could train guilds to read danger charts. He could make dungeons safer by providing predictive analysis. He could change the entire economic foundation of the adventurer industry.

Evan took a long breath. He needed resources. He needed connections. He needed initial data from the guild system. Most of all he needed credibility. If he launched this idea too early people might ignore him. If he waited too long more people would die. He walked back into the guild hall where Mira was filling out new reports. He approached her desk and spoke softly. Mira I need your help he said. I want to build something new. Something that can keep people alive.

Mira looked confused. What do you mean she asked. Evan placed his notebook on the counter. I want to use data patterns to predict dangers. I want adventurers to have compensation when accidents happen. I want to reduce unnecessary deaths. I want to create a system that protects them financially and physically. Mira blinked slowly. That sounds like something the guild should have invented long ago she said. Evan nodded. But they did not. So I will.

Mira leaned forward with interest. What do you need from me she asked. Access to historical mission records Evan answered. If I can analyze the last ten years of data I can build a danger index. I can estimate survival rates and risk levels. Mira hesitated because guild records were private but after a moment she reached under the counter and pulled out an old registry. She pushed it toward him. Make sure no one sees that she whispered. I trust your judgment. If you can reduce the number of funerals I will help you.

Evan bowed slightly. Thank you he said. I will not waste this chance. With these records he could begin calculating patterns. He needed a magical method to convert mana disturbances into measurable values. He needed divination spells to adjust predictions. He needed to recruit people who believed in structure and numbers. He needed to set the foundation for the first Adventurer Insurance Company.

As he left the guild, the sun rose higher and lit the city walls. He walked toward a quiet workshop district where enchanters sold magical tools. He needed new equipment to develop his first risk measuring device. The world around him moved with energy. Merchants called out prices. Carriages rattled along streets. Adventurers joked loudly as if death was distant. Evan saw a different picture. He saw a world desperate for protection and ready for innovation.

He would build it. A company that treated danger with numbers. A company that turned survival into a professional service. A company that would change the entire world.

The first step had begun.