> But let’s dissect that last suggestion; suppose I do modify the type to encode that. Suddenly pretty much every field more or less just because Maybe/Optional. Once everything is Optional, you don’t really have a “type” anymore, you have a a runtime check of the type everywhere. This isn’t radically different than regular dynamic typing.

Of course it’s different. You have a type that accurately reflects your domain/data model. Doing that helps to ensure you know to implement the necessary runtime checks, correctly. It can also help you avoid implementing a lot of superfluous runtime checks for conditions you don’t expect to handle (and to treat those conditions as invariant violations instead).