defi insurance protocols now pricing layerzero bridge coverage at 3-5x chainlink CCIP rates. that's not a suggestion to migrate, it's a mandate. remaining holdouts face a simple equation: pay 3-5x premiums or switch to CCIP. LINK sits under $10b market cap securing $62b+ in value. every quarter this insurance gap persists, another wave of forced migrations hits. the $4b that moved in 20 days was voluntary. the next $4b will be involuntary, driven by insurance providers and institutional compliance teams who won't underwrite layerzero exposure at any price.