They won't hit "Joe and Jane American in their quiet suburban neighborhood" because:
1) there's no real loot, and
2) they have a larger probability of getting shot.
What they will do instead is show up at suburban shopping centers in large numbers, stage mass lootings, and disperse.
This will still cause a large impact on Joe and Jane as prices on everything in the stores goes up in order to cover losses and for the needed increased security.
Agreed; that is highly plausible.