I can assure you if you have a second hand 10 year old car and it burns down, you’ll get 3000€ from insurance, and good luck finding a replacement for that money.
“They have insurance” doesn’t solve all problems when you’re struggling and need a car for work.
Good people don’t become assassins, something bad people don’t have problems with.
It’s never Hitler, Putin, Stalin or Trump who get assassinated. Always JFK, Martin Luther King, Bobby, …