It depends on where you live, but the massive wealth inequality in the US coupled with the ripped social safety net means that not only are people pretty incentivized to steal what they need / want from those who have, but those who have can replace it quite quickly (often with just the inconvenience of some insurance wrangling).
So for the vast majority of property crime, the victim ultimately ends up being the insurance premium, and everybody involved kind of knows this, even if they don't say it outright.
So for the vast majority of property crime, the victim ultimately ends up being the insurance premium, and everybody involved kind of knows this, even if they don't say it outright.