This is not always true, I have got 148MIL and I care about my gear soooo much you dont understand, when people start to get more money you start to get more aware of when to spend it and not to just carelessly do so.
I think that there should be a thing where if the vehicle is not shot at or if there was no interaction with it (No one going inside of it) then it should despawn even thought people are near it after like 10-15 mins
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