"at the top end it is an economic benefit" 
"However, at the top end it is an economic benefit, especially if too much capital is trapped in high end savings and investment, because the funds used to replace the window will not change the victim's spending habits, but will simply be a minor reduction of his long term savings or investments, or that of his insurer."  The writer ignores that replacing the window is an "investment" much like any of his other "investments" (that the writer seems to criticize).  The difference is that something of value was destroyed before the new window "investment" could be made, so it is starting off in a hole in terms of return on investment, which is the main point of the article.