I'm glad to hear you've never had anything stolen and aren't planning to have anything stolen in the future. That's a great plan and I'm kicking myself for not thinking of it myself. Oh and here's a great money saving tip: if you've never been in a car accident, don't waste your money on car insurance.
Nobody is forcing you to buy anything from Apple. I do buy Apple products fully aware of the relationship I'm entering into and I'm very happy with it. I consider activation lock to be a positive feature which increases the value of an iPhone for me. An article from 2015: https://techcrunch.com/2015/02/11/apples-activation-lock-lea...
Hopefully you don't get that upset when dozens of Apple's "features" are considered illegally anticompetitive and they're either forced to stop selling you products or change.
Your insurance analogy is proving the exact opposite. More apt analogy would be turning your cars wheels square because it might be stolen. I'd rather have the wheels roll though.
Something along the lines of "sell us your rights and the device that doesn't really belong to you will not be stolen from us, I mean you."