Great points here,...............the whole overnight, sleeping, except for the "state of emergency" stuff, is not legal by most building codes, and as such, many insurance companies fight paying claims related to these types of circumstances,...........................which brings the need to charge a fee to cover a special rider, and/or other additional costs,.................I am guessing the whole gym floor, sleeping bag/air mattress style of tour will eventually have to change,.............to what? I don't know,...........college dorms maybe?