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Who would win?

One disgruntled boi with a lighter

or

A billion dollar company?

I… uh… unfortunately, I’m gonna go with the billion dollar company.

Insurance will cover most of the damage, the dude will end up in prison, and at most the worst that the company will suffer is higher premiums.

The higher premiums will cost the company almost as much as the arson. Insurance just spreads out financial risk over time; it’s still a net loss for the insured.