Wanna know why?
I have a car worth 1 million, if it gets destroyed I have to pay 10k to get a replacement, but if someone else destroys it they pay, so people with no money blow it up and waste my cash.
I blew their cars up, and now I'm a 'bad sport', permanently have a dunce cap on, and can only play with other 'bad sports'. So I can't play with my friends now.
I hate this system in GTA 5...