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.

For the record, that should have been piracy != losses because piracy < losses

Not a coder? piracy != losses because piracy losses. It sure isn't equal, sure as hell isn't equal dollar of product pirated to dollar of loss. Also, you have an econ fail there: free gray market goods have nothing to do with the demand curve, that's called 1) market failure and in your case 2) slashdot failure.

Why would you copy anything? If there's a film you want to watch on the grid, just watch it. An application? Just run it. If it's not fast enough to do that, there's not much point to it.

Making rain, not is raining. Which Spanish are we talking about here, where you use "is" for weather?