No, it encourages people to invest in insurance as an aside to an alarm and immobiliser. Just a bit unfair to assume OP didn't have any of this; for all you know he had both, left his car parked at home and wasn't home when it was stolen/towed.
Also, there are ways around alarms and immobilisers, besides a tow truck. You can tow a car with a strap easily. And as many kids as there are stealing cars, the guys with two trucks have not left town.