Well, yeah...it's a game.
Would you also like to work a full-time job, have a mortgage and chocobo payment, and get pulled over by the Twin Adders for drinking a bit too much Realm Reborn Red? I wonder what property insurance rates are like in Ishgard...bet their policies exclude damage caused by dragons, primals, and acts of the Holy See.
Because I know I totally play this game to have fun in a world so much like the one I already live in.