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A pirate wouldn't crack any wallet they would find the owners and cut their / family's fingers off one at a time until they transferred their life savings over.

Maybe not everyone is filthy rich and i'm sure a bunch do multisig but there's a much bigger upside betting on tropical island retirees than sticking up your local gas station. Local authorities probably not too helpful either.

Tropical island retirees? I don't know. Maybe there is something about this island I don't know. Is this a fancy place?

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No clue but generally if you have the funds to escape a first world country to retire on a beach you're probably well into FIRE territory with a decent nest egg. If it's all in BTC then that's a nice target for a wrench attack.

Same reason people target professional athletes homes..

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