After a New York City-bound commuter train derailed last Sunday in the Bronx, it got David Clarke thinking about death and money. The Poughkeepsie-to-New York City Metro-North incident resulted in four deaths and 63 injuries, not to mention millions of dollars likely to be spent on an ongoing cleanup project, pending lawsuits, and an origin-and-cause investigation. From what’s been reported so far, the incident occurred because the train’s conductor, William Rockefeller Jr., slipped into highway hypnosis — a daze familiar to anyone who’s driven for long periods on a boring stretch of road — about two hours and 20 minutes after his 5:00AM shift began. When the train derailed it was traveling 82 miles per hour in a 30 miles-per-hour zone just north of Spuyten Duyvil station.