The analogy with a car is not, I think, a perfect one. If, for example, you lose the key to your "Mercedes" (or any other car) you can get another without paying for a new car. You can insure your car against loss or theft, but the price of the key is, most likely, less than the deductible.
The basic problem with using this analogy is that automobile manufacturers do not confront the same problems as software manufacturers. There are, so far as I know, no ubiquitously available, inexpensive, automobile duplicating machines that would allow you to make perfectly functional copies of your Mercedes (and thus get two or ten for the price of one + the cost of the "duplicator" and materials) while software can be copied in just such fashion from hard drive to hard drive. Hence the need for copy protection.
However the problem of lost or stolen Vienna keys may need to be thought through more comprehensively so that, if possible, some kind of technical solution might be offered. (What if, for example, the first time a key was inserted into a computer, it required a visit to the Syncorosoft site for an authorization check - - so that keys reported lost or stolen could then be automatically deauthorized.) In the meantime, buy insurance.