Insurance companies make money precisely BECAUSE disasters are rare. The vast majority of people who pay premiums never need a payout. There's no amount of extra "Purge Insurance" payments that they could charge that would cover the total loss of a Purge night. Every insurance company covering urban areas in the United States would go bankrupt from a single Purge.
Are you not entertained?!
> There's no amount of extra "Purge Insurance" payments that they could charge that would cover the total loss of a Purge night.
Well, that would be the case if the whole city was destroyed each year. But, we are told that 99% of the people stay in their homes each year. The movie just happens to focus on the 1% that go out and cause trouble. So, there may not be much -- overall -- in property damage.
Additionally, it looks like most places have spent money on security features like cameras and roll-down cages for their places of business.
So, the chances of any particular store receiving Purge damage is small. Insurance companies can charge an appropriate amount and still walk away with an overall profit after paying the claims.
--
What Would Jesus Do For A Klondike Bar (WWJDFAKB)?
There were fire all over the city. And they're all unattended and will have their way through the city.
Only to clean up the Lincoln memorial and fix the damages of the fire around it will cost ten thousands of dollars.
Guess the they set the Smithsonian complexes or the Library of Congress etc on fire.
Nothing is protected by the police or military.
Many would not go out for kills, but to set fire and destroy, or to loot.
Willkommen im Zeitalter des Trump!
> Guess the they set the Smithsonian complexes or the Library of Congress etc on fire.
Nothing is protected by the police or military.
There are likely rules about the Purge that we are not told. They mentioned that high-level government officials were off limits (except this year). So, probably government buildings and structures would be too. And, likely, soldiers and police and firemen on duty to protect those people and structures would all be protected as well.
Now, it's still dangerous to be out on the street even if you are a protected class because people are just going nuts out there and, in a frenzy, might not care if you are protected.
Besides, the chances of getting caught are virtually nil. You wear a mask and break into someplace protected and kill someone protected and they will never be able to pick you out of the loonies running around that night.
The whole movie is based around a premise that just can't work.
--
What Would Jesus Do For A Klondike Bar (WWJDFAKB)?