Kesian no insurance payout.

Those who pannai pannai give car key to third-party like car wash guy, good luck. Insurance won't pay you.

Same with VIP parking, giving car key to hotel car park guy. Gone with the wind. U can start saving money to pay your bank loan and apply another car loan for new car

Break in is different.

Ur insurance will ask you to surrender your both fobs or car keys (usually in pairs). So If you fail to give even one, Ur insurance will take note and further investigate. They might even conclude you willingly give Ur key away so the onus is on you to prove.
https://bjak.my/blog/car-insurance-stolen-vehicle/

Back to your question why thief target car wash, because they know this kind of culture is like norm

If authorised service center, chances of getting it stolen is low because your car agent is the same guy who takes the car from you and he knows you. SC will usually compensate as they have their own insurance to cover. And they won't risk their reputation especially dealing with own brand. Agent will probably gets terminated.

Besides they are the same SC who also renew your insurance such as Honda HIP. You can always sue SC back and if you can prove their negligence, you will be compensated.