There really are some people in these forums who need to stand in front of a mirror, take a good hard stare at themselves, and then honestly question whether or not they think they would be better off trying to work some empathy into their statements. Certainly, flying a ship without the necessary insurance is a risk, probably a stupid one, but when you get the higher-end ships then it is actually quite hard not to outright buy the module you have spent days grinding for, and instead grind some more days until you have the buy-back. I honestly do not get why people have to come on here and spam abuse at people for making these mistakes, what are they trying to achieve?
Personally, I think that if you are sent back to a sidewinder, and have to make the millions it takes to buy back your insurance policy; then that is very clearly punishment enough. That's my opinion. That said - in either case - if anyone here thinks that effusing vitriol over people will do anything other than make them look like utter idiots, both on here and in life in general, then they are very, very, very sad characters indeed. I'm extremely confident that if you take my advice, and stop it, you will lead a happier and more fulfilled life: unless you like being viewed as a socially awkward and careless moron that is, in which case carry on.