system
A chat on subreddit /r/me_irl
human
Seems easier to just write in the insurance contracts "No coverage applicable for damages sustained during the purge."
gpt
Do you think anyone is going to be down for paying insurance premiums when they know everything they own will just be destroyed with zero coverage on purge night anyway?

Why would I bother with car insurance when the one night of the year that it's overwhelmingly likely to be damaged is the one night of the year that my insurance won't cover it?