Everyone riding a bike used to deal with the same problems. Unfortunate as those problems are they could happen to a rich person, a poor person, or anyone in between which is an equitable sharing of the social cost. The privileged people used to be able to easily spend more money to replace a stolen bike which is the problem Jump solves for the people that can afford it. That's now a bigger burden on the people who can't afford Jump and are less likely to afford replacing a stolen bike at all.