I want a marvel movie where the entire movie is just an insurance adjuster’s life in superhero NYC where the entire city gets destroyed every 1.5 years due to alien sea turtles and two men punching each other through buildings and such.

The insurance premiums would be insane. The insurance agencies would have to be massive and get constantly bailed out. People would deliberately try and live in the ugliest places they could to avoid the carnage (and later lawsuits).