Another one! Is this the first of today?
I'll let Freddy do the rest of the talking..
I'll let Freddy do the rest of the talking..
Maximum loan amount waaay too low!
- Thread starter Sleepless_Knight
- Start date
I am talking about money accounts, not player accounts. Dividing money up for savings, day-to-day spending, etc.
It is not handholding players, just a tool to manage economy your economy.
This is called Eliteangerous and not Elite:HelloKitty .
Well, it's a video game, so there isn't anything "Dangerous" about it. But it is frustrating.
You could exercise free will and simply not read the threads that you find irritating. But since you ask, YES, I did know that I was flying uninsured, and YES, as I mentioned in the original post, I know it was a stupid mistake, but I've been playing constantly since July and have never made this mistake before. As I stated, I simply didn't know the re-buy for this ship would be that high. Short sighted? Certainly. But I'm not advocating a complete game overhaul, just a tweak of this particular dynamic.
I don't think we can really bang on about "realism", since the reality is... we'd all be dead by now. So as long as we're going far enough as to appease those nit-picky types who would like the option to play the game again rather than being banned forever if they get "killed"... I think we can stretch our suspension of disbelief just a little further.
Realism? You realise that you're playing a game, set 1300 years in the future, where you can travel 100 light years in 10 minutes, and if you get "killed" you can simply respawn instantly at a station 250 light years away... right?
Look... by all means point out the flaws in my argument. By all means point out that I was careless. By all means disagree with me (that's what this place is here for, and I welcome it), but please don't cherry-pick "realism" with me, it's insulting.
Also... if we're talking about realism. Real life banks and insurance companies offer you cover/loans based on your status. Sad reality, but a reality nonetheless. A man who turns up in a Lamborghini and a £1000 suit, and has proven time and again that he can make money enough to AFFORD that Lambo parked outside will be offered a FAAR bigger and better loan than a man who turns up in overalls and a ford escort and has never worked at anything better paying than a supermarket check-out guy.
If we really want to talk realism, then a loan should reflect your status and experience. There is no logical reason why a newbie in a sidewinder should be offered exactly the same amount of insurance/loan as a seasoned trader/bounty-hunter/explorer... whatever.
Anyway. As I said, I like disagreement. And it WAS my fault in the first place. But don't argue "realism".
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I was joking. I would like the whole insurance system being wiped but that won't happen.
What i'm really wondering about is the fact that you're a long term player and hadn't raised your concerns back when this system was introduced.
No offense but i can see similarities with your behaviour and the real world. Only when something bad happens, people stand up for their opinions.
I feel your pain but better go out and learn from your mistakes in the first place instead of complaining about a fact that can happen to anyone if they are not aware of the risks they actually take ingame.
In the end it is just a game though frustrating on your end.
I know many people on our community that had that happen to themselves but in the end they racked themselves up and never gave up.
I hope you will get to the point where you already were. Don't try to rush it. Enjoy the game like it is and i wish you all the best for your future.
Never surrender !
One thing I don't like about the insurance mechanic is when purchasing new components for my ship, I have no idea how much insurance is going to cost next.
Than again, I have no idea whatsoever how I'd go about fixing the above, without a constantly nagging and annoying "This purchase will increase / decrease insurance to XYZcr" message appearing all over the place, so I guess it's as good as it gets.
Than again, I have no idea whatsoever how I'd go about fixing the above, without a constantly nagging and annoying "This purchase will increase / decrease insurance to XYZcr" message appearing all over the place, so I guess it's as good as it gets.
Fail safe 1: re-buy mechanic...enables players to reacquire their ships at a fraction of the original purchasing price.
Fail safe 2: 200.000 cr loan....in case players forgot or miscalculated.
I am not gonna patronize you, you're an experienced player. You knew how re-buy works and you knew about the loan limit.
Come on, slap your head and carry on.
Referring to how much you contributed promoting ED is a very cheap shot at fishing for sympathy, it'll have the exact opposite effect.
Fail safe 2: 200.000 cr loan....in case players forgot or miscalculated.
I am not gonna patronize you, you're an experienced player. You knew how re-buy works and you knew about the loan limit.
Come on, slap your head and carry on.
Referring to how much you contributed promoting ED is a very cheap shot at fishing for sympathy, it'll have the exact opposite effect.
As nice feature would be to give you the ability to pay insurance in advance so regardless; you're covered.
Currently there are no tools to figure this out short of the awesome third party tool eliteshipyard. I've used to this determine how much a D-grade Python would set me back plus the insurance. So now I know in advance I need 72m to cover the bill.
It seems relavent when your ship costs start getting into the tens of millions.
(Excuse the typos, done on a mobile)
Currently there are no tools to figure this out short of the awesome third party tool eliteshipyard. I've used to this determine how much a D-grade Python would set me back plus the insurance. So now I know in advance I need 72m to cover the bill.
It seems relavent when your ship costs start getting into the tens of millions.
(Excuse the typos, done on a mobile)
I'm not really complaining. I am a long, long, long time fan of this franchise, and I'm already back out there playing. I haven't "rage quit" or anything like that. I just think that it needs re-thinking a little.
I completely agree that there should be consequences for things like that (otherwise it would be no fun at all), but t as -Poy- says below... perhaps the insurance level should increase incrementally dependant on the original price of the ship. Exactly as it would do for an expensive car. You end up paying it all back anyway. Obviously there should be an upper limit, but I'm not sure that limit should be less than it costs to rebuy a standard, off-the-shelf ship in the middle price range (well, LOW price range when you look at the price of Anacondas and Pythons - which, by the way, I am pleased they upped the price of. They were waay too easy to purchase before).
Like I said. I agree with the system, but I think it might need tweaking a little.
But obviously you can't please all the people all the time.
Thanks for the good wishes. You too.
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I wasn't fishing for sympathy. I don't think I deserve any after being so stupid. But I can see how it might have come across that way. I was actually simply trying to qualify my remarks by attempting to say "Look, don't take this the wrong way, because no-one loves this game more than I do... it's awesome, regardless of the insurance thing"
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I disagree entirely
People make mistakes at the beginning. That's fine, and the loan is there for those small mistakes.
By the time you have the experience to know what you should and should not do, the loan should not even be on your mind, let alone using it.
This thread is pretty pointless... if there were massive loans to take and an easy way out for even experienced players, then there would effectively be no death penalty, and thus, no point to even warrant taking precautions when flying.
I think the point I was making is that I had been flying without a mistake for so very long that the loan WASN'T on my mind... hence the problem.
As far as the thread being pointless, I think this forum is here in the first place for people to voice their opinions. A crowd-funded game like this wouldn't have gotten very far by completely ignoring the views of its players. Just because you don't necessarily agree with those views doesn't make them pointless.
Having said that, I can see your side of the argument.
Anyway... As I have said many times throughout the thread - I WILL keep playing, and I love the game.
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Well, you're entitled to your opinion.
Deleted member 38366
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Someone suggested an in game Gal-Net facility for naming and shaming CMDRs who lose ships with no insurance but there is no need. People come on here and name and shame themsleves....
I'm not judging however, first time I had 170k I bought a Cobra and went out with no insurance, jumped to another system and got caught in the suns gravity. Fortunately I got home with 30% hull left and a cracked window, but it could have easily happened to me. Something I'd never do again, and certainly not if I didn't have other ships laying about.
I'm not judging however, first time I had 170k I bought a Cobra and went out with no insurance, jumped to another system and got caught in the suns gravity. Fortunately I got home with 30% hull left and a cracked window, but it could have easily happened to me. Something I'd never do again, and certainly not if I didn't have other ships laying about.
As I said in a previous reply, I wasn't fishing. I was simply trying not to upset people by first stating how much I love this game. But you were quite right. I went back and re-read it, and it did come across that way. I apologise, and I have amended it.
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I honestly thought that I would have enough to replace the ship but not the equipment (which would have been fine with me). But I miscalculated. It would have been nice to see how much of the insurance rebuy was equipment, and how much each piece of it would cost. Any insurance company would tell you that.