system
Given the following post, respond as if you're commenting on Reddit:
human
[Marvel] I'm thinking of opening a restaurant in NYC. How am I expected to cover these insurance premiums? How do people stay in business??
gpt
Well, depends on where you're opening up.

Here's the thing- If you're in Manhattan, build a fallout shelter that can hold a full house, invest in plate glass windows for your storefront and outside seating, and find the money to pay the premium. Why?

Because everyday people will pack into your restaurant to eat and have the chance to see a superhero going about their business. If you've got a good straight line view of the Baxter building, Avengers Tower, Avengers' Mansion, anything like that, you'll make bank every hour you're open.

You'll make more than enough from superhero tourism to make up for the increased premium. You will also be living in the safest place in town crime-wise, except for the obvious- occasionally you might have the Thing go flying through the front of your restaurant , the Moloids might emerge through the floor or who knows which alien race will attack, and yes, they will always make a point of coming to your neighborhood.

The upside is that you will get paid out by the insurance company, justifying your previous premiums, and you'll often have really cool leftovers from the battle you can frame and have even more superhero groupies come to your place to see. Plus, Damage Control comes to do the cleanup at no cost to you.

If you're not in Manhattan? Well, you probably get no superhero tourism, so it's up to you if your business model can support the extra costs. How do you stay in business? The old fashioned way- serve good food, have service your customers like, keep your restaurant clean, and try to attract clientele that attracts other clientele. And yes, that means despite dimensional warps and the occasional Hydra mecha attack.

Nobody said living it up in the big city was easy.