> If someone steals your car and uses it to run over a pedestrian, both you and the pedestrian are victims. They're far more damaged. And you aren't at any fault, even if you e.g. didn't lock it or even left it with the keys in. It's still going to create a mess for you.

A more fitting analogy: Imagine a bad actor buying a car that strongly resembles your own (same make, model, year, and color), then they convince the DMV to give them a duplicate of your license plate. In this analogy, the DMV is the bank.

The bad actor runs over a pedestrian. Sure, it may be a headache to prove that it wasn't actually your car, but once you do so, how much of the responsibility should you hold?