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This is a good read on the topic (the author has been on a few podcasts also)

https://www.amazon.com/Kidnap-Inside-Business-Anja-Shortland...

TLDR: Its basically an efficient market in some countries, most people have kidnap insurance even though they dont know it (as their employer isnt allowed to diclose this insurance), the insurers know the criminals going rate, and can cut off their entire business if they break the "rules"




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