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[–] -1 points 1 year ago* (last edited 1 year ago) (16 children)

What's really lost in this whole conversation is how its... 2025 and almost nobody walks around with cash anymore?

You can literally call your bank and credit card companies and have all your cards cancelled and locked within minutes? Any money spent by the thief will be returned to your accounts?

If it's your phone stolen instead of your wallet... You didn't have it set to be locked or auto-lock when theft is detected? You didn't have find your device set up? You don't have it set to be able to be remotely wiped? Pretty sure you can also get your phone insured for theft.

One of the few valuable things Tyler Durden said in Fight Club was "You are not the contents of your wallet. You are not the car you drive. You are not your fucking khakis." Yet Americans still love to extend the concept of who they are to the things they own.

People are fucking unhinged, man.

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  • [–] 4 points 1 year ago (14 children)

    Pretty sure you can also get your phone insured for theft.

    No individual should be expected to use insurance to protect themselves from theft as a solution to it. That's a crazy take.

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  • [–] -1 points 1 year ago (13 children)

    That's literally why insurance exists and is a foundational principle in most modern societies, but uhm, go ahead and keep living in the stone age.

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  • [–] 4 points 1 year ago (11 children)

    Insurance exists to allow thieves to get off with your stuff with no recourse? Ignoring anything that could be unrecoverable ~ and that insurance is overpriced for it.

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  • [–] 0 points 1 year ago (10 children)

    Gosh I guess that means we should get rid of insurance for things like natural disasters, too, since often your home is unrecoverable in the event of a hurricane, volcano, or some other event with no recourse.

    Lmao

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  • [–] 1 point 1 year ago* (9 children)

    At no point did I argue insurance shouldn't exist. I said they shouldn't be expected to use it as such

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  • [–] 1 point 1 year ago (8 children)

    Yet insurance for theft exists because it continues to be a thing that happens. ¯\_(ツ)_/¯

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  • [–] 1 point 1 year ago (7 children)

    Are you intentionally ignoring what I'm trying to say?

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  • [–] 1 point 1 year ago* (6 children)

    It feels like it's the other way around, from my end. Natural disasters don't stop happening, and crime doesn't stop happening, ergo, having insurance for both is reasonable.

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  • [–] 1 point 1 year ago* (5 children)

    I never said it wasn't. So you misunderstood. Having insurance is reasonable.

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  • [–] 1 point 1 year ago* (4 children)

    No individual should be expected to use insurance to protect themselves from theft as a solution to it. That’s a crazy take.

    Then I really don't understand what you're saying here. Insurance coupled with wiping your device remotely makes you whole and renders your device unusable to the person who stole it (sometimes it even leaves you with a nicer, more current device). It's not like the police do much more to help an individual with theft, even when you can show them where your device is with Find My Device enabled. Sometimes you might get lucky and they'll go retrieve it and allow you to press charges, but that's pretty rare, frankly.

    I still maintain this a better solution than trying to beat the shit out of someone, possibly failing and ending up hospitalized or dead yourself.

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  • [–] 1 point 1 year ago (3 children)

    I believe it's a reasonable thing morally to do. Maybe not smart. Not going to argue it's the best idea. But, reasonable moral thing to do.

    There's games with offline accounts, pictures that don't sync properly -- age of a phone is not the only thing that matters.

    I don't think insurance is a bad idea to have, I think the standpoint that insurance should be the only recourse is what's bad

    Yes, police will do nothing.

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  • [–] 1 point 1 year ago* (2 children)

    But, reasonable moral thing to do.

    We frankly are just going to continue to disagree on that point. Say you punch the assailant and they go down in one blow, cracking their head on the pavement and dying. Did they really deserve a death penalty for petty theft? An extrajudicial death penalty no less. I don't think so. Thus, I don't think it's reasonably moral to risk it.

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  • [–] 1 point 1 year ago (1 child)

    The difference could lie in the viewpoint that I believe it is their fault in that case. Deserve? No, absolutely not, but I would see it as suicide, rather than an extra judicial punishment. Like falling off a cliff when rock climbing, it's a risk they took when stealing.

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  • [–] 2 points 1 year ago

    Here here! It's what they are indoctrinated to do in their defense. You make a good point that decades and decades of effort has gone into making things more secure has reduced the risk/reward for stuff like pickpocketing. I would bet they mostly target things like travel documentation now for identity theft, something more varied and readily available in multi country Europe than North America.

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