She's made one now: https://blog.kitsplit.com/announcing-kitsplit-theft-protecti...
So you gotta purchase optional insurance in additional to the 22% platform fees. Certainly makes the prospect of renting out my kit worth thousands of dollars for literal tens of dollars all the more attractive.
I can't see this as anything other than "privatizing the profits, socializing the losses" approach that most new gig-economy startups use. First they try to get away with as much as possible, until negative PR or legal requirements forces them to change. And then it's suddenly "a new feature" that they're so proud to announce (even though they created the problem in the first place).