It also works at any level of security: "Lock your doors and hire guards if you don't want clever thieves breaking a window..."
But if you require everyone to take adequate measures to physically secure their houses, you don't even need laws and morality!
And while this may provide the sort of negative reinforcement you are hoping for, actual damages in each case are going to be all over the place. That makes this one of the worst possible punishments. Imagine the penalty for speeding is a random outcome somewhere between a stern reminder and the death penality. There would be nothing fair and little useful about that, even though it does follow the same basic principle of do bad -> be harmed.