> Any example?
Literally any city with good fare compliance. If it's got enough people in it to have a transit network, it's got enough bike thieves in it to steal your bike.
> It's the difference between getting your bike stolen because of a random asshole and knowing your bike will be stolen by someone (also arguably an asshole).
That's just a product of population density. If you live in the middle of nowhere, with 5 people total in a 15-mile radius, it's highly unlikely someone's going to steal your bike.
If you leave your bike on Main Street, where thousands of people walk by every hour, all it takes is one in a thousand.