Who says Leonardo unless they are talking about a ninja turtle? Isn't it DaVinci in common usage?

I get where you are going with this, but it seems like a pretty apt analogy to me. The analogy suggests that people don't do things just because there is an advantage. You are pointing out that the perceived advantage of having your insured car is small, but in the end, if you'd rather have a chunk of change toward a new car than keeping your current car, and it's no good as a trade in, you might consider trying to get it stolen, but most people wouldn't. Likewise, if you'd rather have someone pay a $x00 fine than live, you might consider suicide. It's a stupid choice in both instances, but that makes it More analogous, not less.