I think people have an implicit threat-model that their home/business would be robbed by a cat burglar, rather than a robber. Because, if they, as a regular person, wanted to steal stuff, cat burglary is what they'd do, because it makes it a lot easier to get away with.

People don't realize, of course, that thieves are usually people rather desperately in need of money—people who need a short-term solution to an urgent problem—and so not only don't care as much about the long-term risk of their actions, but really don't have time to "case the joint" or come up with a stealthy solution.