It's not about insurance profiting from it. Carmakers are able to pass off certain things like this due consumers having more or less mandatory insurance on this.

Why do we lock our doors when it's proven doors don't stop thieves (putting aside the fact that locking does prevent people from just simply walking away)? Why haven't we improved our security systems? Because people will still buy homes, and insurance covers loss and damage in case of theft.

Without that, we would demand houses that are harder to break into. So it is for cars.