Frankly insurance companies need to be holding the car manufacturer's feet to the fire by not insuring cars that can be trivially stolen like this.

The governments should be, too.

Instead, some countries are taking the approach of banning Flipper Zeros or restricting their sale instead. That's like outlawing flathead screwdrivers because you can use them to pop improperly-installed doors off of their hinges.

It's on the car manufacturers to fix their poor security, not on tool suppliers to not make tools.