If there were symmetry, then renewing the domain would cost millions instead of $20 or whatever it is, to cover the payouts. Is that what you want?

If it is, you can buy custom insurance for the event from an insurance company, and pay the same kind of yearly fee.

And remember that with build vs buy, what you build will often be worse than what you buy, because at least what you buy is getting bugs fixed from bug reports across the world from other customers. An internal tool will rarely be as stress-tested and battle-hardened as what you can buy.