Jakob makes a valid point: the scale-invariance of the internet means that thieves can affect a massive number of people (millions, potentially) in a very simple manner. Unlike your local car thief, who can only really steal cars in a limited area, and certainly not across countries in a short space of time. Essentially, the best car thief in the world is pretty well always living down your street, not only 1% likely to. So how can we protect against this?