I know it's easy to avoid losing your ship by simply ensuring you don't launch without at least the insurance cost in your account.
But the way this mechanic is implemented I think has made a few less careful people unnecessarily unhappy.
What I propose is done that on death, insurance is automatic. As in you just get the excess taken out of your account and get your ship back without asking.
BUT, if your resulting account balance is negative, and you attempt to launch, a warning will be displayed pointing out you need to sell parts/yourship to make your balance positive. At that screen, you can choose to click a button to sell the lot and purchase a basic sidewinder.
In this case, the biggest loss from dying is whatever the excess is. If you get caught short you just pay the excess using the equity in your ship.
I know people just should be more careful, but I don't see how the current mechanic is beneficial. It doesn't affect careful people, and non-careful people it just annoys them to the extreme. My proposed solution isn't exploitable, it doesn't make death easier, it just makes it less dramatic for new players who didn't read every line of the manual carefully. I think that's a net positive for the game.
Example:
10 mil Asp crashes. Excess is 500k. Player has 100k in the bank.
Players balance is now -400k. This has to be resolved before launching. If the player can not manage get back positive before launch (or doesn't want to), they can instead opt to sell their current ship.
The player will be left with:
-400k + 9000k (sale price of ASP) - 32k (purchase price of Sidewinder) = 8568k.
So the player, being forced to sell, has lost around 15% of their assets, which is a significant penalty. But they haven't lost 100%, so they hopefully won't just rage quit the game.
But the way this mechanic is implemented I think has made a few less careful people unnecessarily unhappy.
What I propose is done that on death, insurance is automatic. As in you just get the excess taken out of your account and get your ship back without asking.
BUT, if your resulting account balance is negative, and you attempt to launch, a warning will be displayed pointing out you need to sell parts/yourship to make your balance positive. At that screen, you can choose to click a button to sell the lot and purchase a basic sidewinder.
In this case, the biggest loss from dying is whatever the excess is. If you get caught short you just pay the excess using the equity in your ship.
I know people just should be more careful, but I don't see how the current mechanic is beneficial. It doesn't affect careful people, and non-careful people it just annoys them to the extreme. My proposed solution isn't exploitable, it doesn't make death easier, it just makes it less dramatic for new players who didn't read every line of the manual carefully. I think that's a net positive for the game.
Example:
10 mil Asp crashes. Excess is 500k. Player has 100k in the bank.
Players balance is now -400k. This has to be resolved before launching. If the player can not manage get back positive before launch (or doesn't want to), they can instead opt to sell their current ship.
The player will be left with:
-400k + 9000k (sale price of ASP) - 32k (purchase price of Sidewinder) = 8568k.
So the player, being forced to sell, has lost around 15% of their assets, which is a significant penalty. But they haven't lost 100%, so they hopefully won't just rage quit the game.
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