If you have a car that valuable without comprehensive insurance, you were going to learn a hard lesson one way or the other imo. Something as simply as a bad rain storm can really expensive damage. Also, from an impartial perspective, used cars that attract crime seriously harm sales of other used and even new examples; Hyundai/Kia is an excellent example of this. Tesla has already lost virtually all of its reputation yes, but knowing it might be burned to the ground at any second will have even Elon supporters second guessing a purchase.