Ever since a burglar stole an irreplaceable vacation souvenier I hate burglars and repomen with a passion. I got it back by befriending the burglar and moving her in, but that was Sims 2, whereas Sims 4, I think, deletes npc inventories. For this reason collectables and similar stuff should be flagged not to get taken.
And even so, what if the repoman claims a standard item that is coincidentally of personal value to my sims? Or their kids' toys? Nah, thanks, that's a level of realism I do not want in my game. If I want to impose such drama on my sims I do it myself, no npc has the right to do so.
Utilities getting shut off works fine for me, because I charge my sims for the use of many venues, so no free showers for them. Free food, yes, any time. I want them to suffer, not die.