A man has a car. It is stolen. He has insurance, sure. Insurance for others, along with the owner, now go up. That insurance will not pay for the time and energy lost in getting a rental, nor the time and energy loss in reporting the crime. The car is replaced, with what? Hopefully not the one stolen because it is now tainted by damage, ill will, poor operations.

His newer car, which was replaced, now sits and is at once again an object that the previous thief can steal again, and again, and again.

The cycle repeats. The thief, if caught, does not restore the car owner or is even owed compensation. The thief pays in time served, the thief's expenses are paid for by the car owner, through taxes, and the cycle repeats.

End the cycle. End the thief. The value of the human life is set by the thief, not the owner.