I have somehow avoided this problem! I got rid of my car almost 15 years ago, and have been on bikes 100% of the time since then. I've had 0 bikes stolen. 9 countries ridden in, so far!

The threat of getting hit by a car is the biggest hurtle of mass adoption of cycling in the US, in my opinion. I don't quite want to open up a discussion on what's going to bring about a sea-change, but having traveled to other countries where cycling is normalized into regular culture (France, Belgium, Switzerland, Netherlands), I have hopes that it can happen - at least in pockets, in the US. Living in Boulder, I feel I am in such a pocket, but I've still had some pretty close encounters, despite the fairly OK-ish cycling infrastructure, culture, and education.