I've got 20something insurance claims, 6 of those in the last 2 weeks in my Python at 5m/per due to me messing around on planets/moons doing things I KNOW I shouldn't be doing in a Python but you know what? It's FUN! My daughter loves that I'm having fun without killing anyone in a video game for once, my son in law laughs with me and my grandkids are learning that having FUN in a video game is more important than anything else. I've learned some valuable things too, for instance, Pythons+tight canyons+boost=amazing crashes! Pythons+boost straight down+2g or higher=Pythons don't bounce AND the crashes aren't anywhere near as amazing as the tight canyon+boost crashes.
I've gotten my ass kicked in combat when I've taken on a wing and instead of running when things go pear shaped, trying to stick it out due to greed. I've had some PvP encounters and so far, all went my way. If they don't go my way, I either turn tail and haul ass out OR I'll stay to the bitter end and give my opponent their well earned victory.
What I'm saying is that this is a video game, death is part of playing video games, and if you can't let that happen to yourself and laugh it off, even, gods forbid, do as I do and enjoy it, you probably shouldn't be playing video games.
For the record, I've started over in the starter Sidewinder 3 times now, once from a Clipper, another time from an Asp Explorer, and once from a Python. I STILL do dumbass things on a regular basis and will continue to do dumbass things on a regular basis for as long as this game is running because it's FUN!