system
Given the following post, respond as if you're commenting on Reddit:
human
[Marvel] Is insurance expensive in cities like NYC? Do insurance companies even exist? With the number of superheroes and multiple villains the destruction just seems way too much. Does fighting like this cause mental health/financial problems in normal citizens?
gpt
The increased destruction is helped by the increased ability of repair- advanced tech/magic/helpful mutants/etc can fix a devestated city much easier then a conventional construction team, and luckily after a super-fight there tend to be helpful superhumans around to do so. (Indeed, it might even be part of their obligations to keep acting as superheores).

This helpfully prevents the premiums getting too high.