None of that would really help or apply of people aren't using those extra measures, as most aren't and those who would have things taken from them don't.I don't know if other companies like Microsoft and Google have been breached in a similar manner to iCloud, but if they haven't perhaps it's due to this:
Online services such as Microsoft or Google implement two-factor authentication in a different manner, asking their customers to come up with a second piece of an ID when attempting to access their services from a new device. This is supposed to prevent anyone stealing your login and password information from gaining access to your account from devices other than your own, verified PC, phone or tablet.
http://blog.crackpassword.com/2013/05/apple-two-factor-authentication-and-the-icloud/
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Why can't the perpetrator still be blamed for the crime, while the victim still be educated about what they didn't do and could have done and/or did do but shouldn't have done? These aren't exactly mutually exclusive things, nor should either one of those things be overlooked/ignored.The example was that "the value of the target has to match your security". Murderers walk through doors too.
Insurance companies are nothing but pragmatic. They don't care about right and wrong, they care about expected values. They therefore expect you to protect their risk, it's in the contract you sign, and is enforced by law.
Your point about the freedom to do bad things to yourself though is a different conversation. When Budweiser says "drink responsibly" it's so they aren't held as liable for also telling you that you're sexy and fun when you're drinking their beer.
It varies a lot by jurisdiction but, in most places I'm aware of, the law makes no distinction as to whether the door was locked, closed or if a space is merely occupied or private-- that is, whether the password was 16 random unicode characters or 1234 or the contents were simply not yours.
If you say both parties are to blame, you are saying that the criminal is not fully to blame.
No doubt better security would have saved these women some unpleasantness. I feel bad and wish they'd been more careful, but it's not their fault that their private property was stolen.