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The cost of random catastrophic weather events of the '100 year' variety should be borne by everyone. People who stay in high-risk areas should cover their own cost. If you buy a house on a flood plain, don't ask me to help cover your costs when the floods come.
I would be happy in insurance companies just properly apportioned the cost of stolen vehicles. People who choose to buy a car that takes 30 seconds to steal should bear the cost.
Or insurance companies could just refuse to offer theft insurance on certain models.
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"A machine you build yourself is a vote for a different way of life. There are things you have to earn with your hands."
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