[nullc]

> 'it's only property, it's probably insured!'

Insurance increases the expected cost of loss! -- the insurer would go broke if they were charging less than that.

So yeah, sure, it can save you from the boundary effect of it instantly wreaking your life but only by putting you at a constant disadvantage to people who live in less crime prone areas or whom are wealthy enough to self insure against such loss.

[throwaway57443]

And very often small mom and pop shops aren't insured