I totally agree with you, but just to play devil's advocate... you can't have, that which you don't own, stolen. Which can be pretty valuable. However, this do

I totally agree with you, but just to play devil's advocate... you can't have, that which you don't own, stolen. Which can be pretty valuable. However, this doesn't help much with the larger model. Cars have insurance for example, and that more or less works out, right?