Abstract: The invention is a computer system and method to create complementary or alternative choice to known insurance art risk coverage. Enables consumers to buy an obligation from selected suppliers legally bound to timely supply the agreed output upon claim by a beneficiary. A saving inherent to a cash or loaned prepaid obligation to self compensate a measurable event loss, in order to complement or substitute current and future expenditure of insurance premiums covering similar risks. Said obligation traded and swapped at will by consumers and suppliers in a suitable trading floor.