Can someone help reconcile why if burning down the city where you live is so explainable/predictable/justifiable/inevitable so few people participate in it?
You are missing the point, D. The city needs the cooperation of all citizens in order to stop people who want to burn and steal. When the city loses that cooperation, it can no longer govern. The government has two choices. Either use more force, or do something to change the circumstances which led to this situation.
Suppose you had a deal with someone to do a particular thing, everyday. You agree to do something for them, in return. One day you notice they don't do it everyday, maybe once a week. Soon it never happens at all. You've been doing your part everyday, just like you agreed.
Do you keep on keeping on, or do you stop providing your part of the bargain?