> (My point is that incompetence doesn't make it morally ok that a criminal thing happens to someone) There is negligence, however. If you leave the door wide

> (My point is that incompetence doesn't make it morally ok that a criminal thing happens to someone) There is negligence, however. If you leave the door wide open and unsupervised and something gets stolen your insurance company will be much less understanding. That does not say anything about how theft is "morally okay", just that negligence is not okay.