Dunno dude. If my bank is robbed there’s no real impact to me - all the money is insured. If someone graffitis my house then it looks horrible and I have to spend time and money cleaning it up.
They can involve multiple lives being at much greater risk and a large amount of resources allocated to criminals. The fact that it doesn't come from the bank but an insurance agency doesn't change anything. The money comes from somewhere.
The context was the graffiti subculture around the German rail system, although I didn't specify, that's what I was referring to. Of course graffiti on private residences is practically just vandalism. There aren't subcultures around that though, besides subcultures that just revolve around general vandalism.
In that vein, you should probably get graffiti insurance if that's a concern.
Seems like you got the idea. Give her some stencils and have some fun.
It's the difference between vandalism and art.
My university for example, in every single room, every single table is scribbled on and marked for years and years. When I arrived there as a fresh faced student I saw scribbles that were 30 years old. Some people left their names, some people said they didn't like professor X, some people left Maxwell's equations on there. I'm so glad the university didn't consider it vandalism. This could be applied to so many more things. It had zero negative impact on my education or experience in the classroom, so how can it be considered vandalism?