Why add yet another exploit option if there already are some then? Better focus on preventing the existing ones and leave the insurance as it is, it works perfectly fine.
As for punishing. It's a matter of personal taste. If you play long enough to be able to afford the ship that has insurance so high it won't let you take a loan for it, you should really know better. If you don't then you're either lucky, careless or got the money via exploits. In the last 2 cases the game is perfectly correct to issue the highest punishment![]()
There's only one question left, do only fanboys make it to moderator?