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The reason that you can't collect money while in jail is because of the end game. If you're losing, but have some properties and happen to go to jail, you can stay in jail for as long as possible. That way you don't have to land on any killer properties and hopefully someone will land on yours. Then you will have some money by the time you have to lose.
Saying - no collecting rent while in jail - gets rid of the chance to hide in jail.
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