There are non-monetary things you can lose. My wife was chased through her parents house at knifepoint by burglars. She locked herself in the bathroom and was

There are non-monetary things you can lose. My wife was chased through her parents house at knifepoint by burglars. She locked herself in the bathroom and was on the phone with 911 as the burglars tried to kick the door in. They had almost gotten in when the cops showed up with sirens blaring. They left. Two weeks later, they broke into a house a block away and killed two residents. At my last apartment, I didn't think much of the cheap-shit door locks so I added a hotel-style locking bar for something like $20 - something I'd never bothered to do in the past. When I was out of the house and my wife was home alone, a pair of men in masks (she peeked out the peephole when the battering paused) started trying to break the door down. My very sweet, loves-everyone, 50-pounds-soaking-wet 6 month old puppy let out some very uncharacteristic and very intimidating-sounding barks and they booked it. These are statistically unlikely occurrences in most safe countries but they still happen. A bit of security doesn't hurt and doesn't really cost much.