> The reason why car keys are using chips is because physical safety sucks so much in comparison with digital.

Not the reason. There is no safe lock, chip or not. You can only make it more inconvenient then the next car to break in.

> The fact is we are better at it because of failure of state to establish the safe environment. Generally protection and safe environment is one of reason for paying taxes.

Exactly backwards. The only real safety is being in a hi-sec zone protected by social convention and State retribution. The best existing lock in a place where bad actors have latitude won't protect you, and in a safe space you barely need locks at all.