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Remember, a lots of the vaults (well, the vast majority) were set up as "experiments". For example, the vault involving musicians and sub-audible sound waves.... the qualification for getting into that vault was being a recognized musician.
For vaults that were actually designed to save the "ruling class"... well, money probably wasn't enough. You probably needed political power and connection to get into those vaults.
A standard vault is probably free considering Vault-Tec would be a government company.
so in theory it would be free for whoever applied for the space avaible?
So most of the time the insurance company get a lot of crap And you feel safe.
Except in fallout the bombs fell and the vaults had to be used. Just too bad it would have been better to stand in the blast radius than a vault tec vault
You paid a huge ammount of your income to reserve a place for as long as you pay.
Also they didn't take anyone.
There was a very strict selection.
Only those people who were in the proper condition to be turned into supermutants, raiders and plant food, were allowed to reserve a place.