SFWA needed two emergency board votes to create terms they couldn’t define and rules they can’t enforce to produce an AI policy that doesn’t address a single actual threat or valid ethical concern. That’s what happens when a professional organization builds ethics by panic instead of framework. This essay constructs the framework SFWA didn’t—starting with the three objections that arrive before any conversation about AI tools can happen, dismantling each on technical and ethical grounds, then applying four consistent principles to the questions that actually matter. AI cover art passes every test. AI manuscript screening fails all of them. Meanwhile the community’s entire ethics apparatus is aimed squarely at struggling indie authors trying to get their book in front of readers.