It seems like a large number or stolen cars are luxury vehicles with keys still in the car. Are they all really being stolen without the owners’ wishes? How many found they had bought a car they couldn’t afford and left it virtually open to be stolen? If insurance companies would wise up and not pay unless the vehicle seizure was not helped in any way by the owners. You would have to be blind, deaf, and dumb not to have seen the multiple police warnings. (and if you were all three, you can’t drive a car anyway.) If you want to keep your car, lock it up, and don’t leave valuable items in sight within it. Otherwise it should be assumed that you’re not just incredibly stupid but you want the car stolen.
Having the car stolen would be bad enough but what if somebody climbed in and waited? I have locked my car every time I have left it anywhere, from the dry cleaner to my garage, day or night, all my life. Once you get in the habit, you don’t even think about it. Nobody will want to steal my old car but other things could happen.