pretty much you are. You would have to insure your cars against theft. If you get robbed a lot, your insurance company would raise your premium. it already wo

pretty much you are. You would have to insure your cars against theft. If you get robbed a lot, your insurance company would raise your premium. it already works like your hypothetical scenario, so what's your point? edit: an analogy from your point to what happened would be the government setting up a fake car rental and calling up thieves to agree to rent and steal their cars.