New players who are flying anything up to and including a nearly fully kitted Viper (value just below 4 million), will have the option to borrow credits to cover the insurance. More experienced players should know better than to hit the launch button without first being certain that available credits > rebuy cost.
There is no need to dumb down the game to placate the habitual gamblers. This is one of the very few games where getting into trouble can cost you a fair deal. And I love it for just that. There is real risk. Screw up, and hours of achievement is down the drain.
Not just from not covering the insurance. You could have plenty to cover that, yet still take a major hit by losing an expensive ship and even more valuable cargo.
That said, it would be nice to have a sort of 'savings-account'. A place to salt down credits that is not available for your normal day to day trading or buying of modules. Where you'd have to go in manually and transfer funds from one to the other before buying something expensive. It would emphasize the fact that you're dipping down into your little nest-egg, and if that is depleted you only got yourself to blame if things go sideways.
Besides, it would be a little more elegant than my current form of saving, salting down credits into extra ships. One could even sweeten the deal a bit, by say offering up a modest interest on the savings-account. Say 5% monthly interest that you can choose to either add to the savings account or your spending account.
Bank Account Simulator 2015 - I like it