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There is only one way to sum this up - this game simply isnt very good, its not programmed well (docking computers slamming me into station walls), its not logically put together (current bounty system, the whole insurance concept ..
See I kind of agree with you, maybe not so much with your conclusion, but with everything else you say it does kind of make it difficult to say to someone 'yeah, it's a good game'.
You can list the issues with:
the bounty system, Security ignores the 40k Pythin to kill the CMDR with a 400cr bounty;
the lack of any real depth to any of the professions;
wings barely working due to instancing issues;
the broken chat system;
the 1:1 scale Galaxy with a bloat-ware Galaxy Map;
poorly implemented features like fixed read-outs in your cockpit rather than a HUD.
You read that list out to me know I wouldn't buy the game, which
would be my loss because I enjoy it...I do wonder why sometimes though.
It's all well and good bringing in new features but if they, and the basic game, aren't produced to spec what are new players going to think a month or two when they're not viewing the game through beer-goggles? Powerplay and CqC I can understand from a business PoV and I actually think they were sound decisions but now they need to get the basics, like bounties, they need to get those in order. Any new features now are, imo, papering over the cracks.
The rote-answers of 'WaI' or 'it's Elite
Dangerous' don't really cut it. It's a KS PC game so until recently I suspect there has been a fair amount of Brand-Loyalty amongst players, but the Xbone is going to introduce a new beast that isn't interested in Elite '84 but is interested in a good game.
For me the way friendly-fire is handled is crude and overly simplistic and is indicative of the game in general.
I like the game, but to my eyes I see its faults and I'd like to see them fixed.