Earlier quoted context omitted.
Because people value walking up to the car and just opening it vs finding the fob in their pocket and pressing a button, and that convenience outweighs the small risk their car gets stolen which is replaced anyway via insurance.
Part of why insurance is so expensive is the mindset that insurance will just cover everything, leading to a lack of vigilance by some.
https://www.cnn.com/2023/01/27/business/progressive-state-fa...