[CreditGuy]

those who own fine art and collector cars are not exactly notoriously responsible

I don't follow this line of reasoning. To be in a position to acquire such collections is not born of financial recklessness or irresponsibility, in most instances. There will always be edge cases, mostly new money, but the majority of well curated collections are undertaken by prudent and financially sound parties. That being said, there is liquidity in collectors' markets, which is to some extent what makes collecting desirable outside of aesthetic and intrinsic pleasures.