You have no clue what you're talking about. First of all the servers might be rented, which they have a contract for, which leads to insurance.Do you really think a game like this would rely on a single server to get this game running? Even small companies don't work like you're saying.They hire servers somewhere else to ensure that the up time is guaranteed (out sourcing), they then make backups on other servers at the same place and at other data centers, then they mostly make backups on own servers, and on different locations.Servers crash all the time due to a bunch of different things they aren't responsible for.In your "story" when a fire breaks out, the game is gone. Think a little bit further before posting like you know everything.