[ddeck]

People often carry umbrellas in areas where rain is less predictable. I've left umbrellas in restaurants etc. before, but...

a) I know where I left it, and

b) a decent umbrella costs $3 where I live, so I'd need to lose 20 before this became cost effective.

[atwebb]

Wouldn't the pay off be not getting wet when you would've forgotten an umbrella? It's not presenting $60 in umbrella value, it's availability/convenience value.