It makes no sense that you insure yourself after a disaster, never pay a fee before.
oh really? look at it this way, you are insured trough the pilots federation, the one all commanders are part of, they pay for the bulk of your splattered ship. what you have left, the re-buy cost you can look at like your co-pay. they are kind enough to offer you a new sidewinder at least if you don't have enough to re-buy your ship which lets you keep your reputation and rankings v/s a whole new game.
what you think happens if you go out and wrap your car around the next utilitypole you find (btw, please don't try that, it might hurt) and you don't have enough money for the co-pay on your insurance? do you think they going to fix the car then?
its not like its hidden. its right there on the right hand side on the first page. how much you have, how much you need as your co-pay. you don't need to be hit over the head any more then that. anyone that visits the forum on occasion SHOULD know this by now, its not like its been said, over and over ad nausium.
i really starting to see my friends point.. he once told me "i don't advocate killing stupid people. I just say lets remove all warning labels and let the problem fix itself."
yes, i don't like to see another player getting frustrated and leave. but do we really need more coodeling and handholding in gaming? the harshness of this one for me is part of the draw. its not a nanny simulator 2015. you have (at least right now) 1 commander, 1 slot. for better or worse, you are stuck with the consequences of your action, you tick off a mayor faction like the federation, you aren't elcome in their space unless you work yourself into the good graces. you don't keep the cash for your co-pay in your account, you take the gamble, here comes Mr Murphy and hits you over the head with his law. (by the way, if someone sees the guy, do please escort him to the nearest airlock, he ain't nothing but trouble)
this is my opinion, i don't expect everyone to agree with me on this, not by a long shot, but if you need hand holding, you can always move to New York as example, i mean they even try to regulate how big a cup of soda you can have
and yes, i been there, i splattered 3 asps during Beta, twice back to a sidewinder due to my own hubris. i came close to walk then, (
https://forums.frontier.co.uk/showthread.php?t=85141 if you want to read that story) and then back to scrap once again when gamma came out. i played throughout it, reporting bugs despite the possibility of a launch wipe hanging over the head. i think its just that i don't see this as a grind, as a need to have the biggest and baddest ship out there. I simply enjoy playing it. if it gets to a point where i grow tired of what i'm doing, i do something else, all you have to do is put different equipment in your ship or switch to another one. *shrug* aight, i'm done rambling, i'll go back enjoying the game i have so far. be safe out there commanders and keep an weather eye on your right hand panel for your co-payment