Why do you think insurance and cleanup is included in the price? There’s no reason to believe that for a state industry. Also Capex loans are not paid back when the plant is done, you pay them off gradually out of profits over decades once operation starts. At least that’s how free market finance works.

Anyway it doesn’t matter, we’re quibbling minor semantics, when I think we agree on the main point - what happens in state run china is in no way representative of what’s possible in a free market economy.

Korea is close now. But closest was japanese abwr- cost similar to current Chinese units