I make decent salary and recently my old car was hit while parked and the insurance totaled it. Those thieves paid me the bluebook, which is about 2/3rds of what it actually would cost to buy that car again, if I could even find one similar. I could likely wait a month and buy back my own car after repairs for that new price too. The insurance company probably made money out of the deal.

I figure the payout must be about the same for having the car stolen. So honestly, if anyone wants to steal my car just let me know and after you hock it for parts or whatever we can split the proceeds and the insurance payout and maybe we'll both get ahead.

But barring the magical coming of universal solidarity, I can confirm that it sucks ass to lose your car even for the relatively stable and well off.