I don't understand how people can be so relaxed about this you are talking about your most valuable possessions no matter how much fun you gonna have because of it how can a person take the chances?
While I understand your point, it is a bit flawed.
I'm assuming that at times you take neighborhood babysitters at night, while you go to weddings.
Would you trust the same teenager, who you trust to watch your child, with 10k dollars to keep safe ?!