xwalker
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Nobody's missing that fact, thats the entire point of this thread. I'm taking issue with you acting like paying someone to burn your house down to claim insurance is common as ordering take out. When someone Burnt his house down saying he did it is just jumping to conclusions with no evidence of anything. It was in December meaning he got paid the majority of this years salary, probably had some Oakland money left over even after his divorce and was going to have to wait for any insurance payout. Why then when all you had to do was wait a couple of months for a new deal from a team risk going to jail when you already have priors and a bad rep.
It seems less likely that he would have the motivation to do this than millions or ordinary Joes. Many reports when the Cowboys got him was that he didn't need money and that was the reason that he was a threat to retire again. He got about 30M from the Raiders and is said to have been responsible in his spending. He was known more for hunting/fishing than blinging-out.
Vacant houses are commonly the target of arson and vandalism. I had a vacant house for awhile and people were constantly breaking into in and this was in the middle of a neighborhood where the houses averaged about 800K.
A regular Joe could be under extreme duress if he was about to be foreclosed on, but I don't see McClain being under duress because a vacant off-season house was for sale.
Summary:
It seems like his motivation would be very low and lower than the average Joe's motivation to burn his own house down.
On the flip side, McClain probably had more people that have an ax to grind with him and most average Joes. His ex wife or probably any number of old associates that thought he should have given them big wads of money.