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Not trying to pick holes, but thoughts of those sorts of scenario are what stop me taking that mentality otherwise it'd be one for display, one for decoy and one as a spare just in case which starts down a bit of an endless path - in my mind at least anyway. With the mindset I'm in if one gets lost, it'd annoy me, but at the end of the day there are far worse things that could happen!
Unless art is treated like money in which case it is of course different (normally money is in the bank and you don't want to see the notes, ok maybe Scrooge McDuck does!!)
I also like buying graded or loose gold and/or silver bars/coins. Plus, I had collected sport cards in the past. Nothing what I have had been sold, Once I traded some Lego sets to an another member here many years ago. Other than that, consider me someone who likes and collects what they want.
Fair enough, I suppose each can have their own reasons for collecting. I was only generalizing.
In the case you describe I find it's the perfect time to educate my child on personal responsibility, which is a lesson that is sorely lacking in today's world. Moreover, I am comfortable forfeiting a few expensive sets if the result is they learn that lesson. And to make sure they learn it, we have a nice Lego display case in our nook where they can see a pristine copy of the set they lost on a daily basis. But hey, that's just me...