I think it would be far more interesting to allow players to steal "mission ships", but with consequences.
* You'd need to have a pretty decent reputation with the faction providing the mission. After failing the mission, the longer you are in the stolen ship, the more rep you lose with the faction (rank-specific ships should cause loss of rep with that major faction as well)
* Dying in the ship respawns you whereever you last docked, but now you are in a Sidewinder (not magically ported to your former ship itself, or its location).
* Wanted status in every non-anarchy system. Getting scanned in a non-anarchy system adds a local bounty for the stolen ship. These scan bounties should probably decay in the usual fashion, but the Wanted status is inescapable and lives with that stolen ship forever.
* No storage or upgrading of the stolen ship in non-Anarchy systems. If you store it in an Anarchy system and that system transitions away from Anarchy, then you have just lost your stolen ship.
Now you can steal any ship that a minor faction is foolhardy enough to entrust you with, and you can keep it for a good long time, but it's going to be a challenge to do so and there will be some lasting consequences.
I like it but what about:
Well, you kicked a 100+ Million CR ship the gap between insurance and ship rebuy will be taken from your account.
Additional you are responsible to refund the losses araising from wrecking the ship. So if you are well set you mabe can keep
some money but its all about risk and reward.
To harsh? I wpould only deduct the price of the insurance ( so 5% instead of 95% ). Also there should be some leeway. Ideally when you do not deliver the ship in time because:
Or maybe - plot twist - John doesn't show up at all. And then you will have to go and look for him ( once we can walk around this could be so much more then flying in FS and looking for him ).
Or/and ( maybe you will find him in a stasis pod - or an Opium den without keys and only one kidney but good connections to the local narcos ) explain to your mission givers why exactly it took you TWO WEEKS to deliver that T7 full of 200t of bio waste ( formerly known as fruits and animal meat ).
they should start giving you angrier and angrier updates. Examples:
The good Guys ( you have agreed to transport a T6 full of Silver to an Outpost for 100k )
1st message (just after your original mission has expired ): "Cmdr we do not know what is keeping you from delivering - but if you hand in the ship in the following 24 hrs we will pay you 60k (instead of 100k )
2nd message ( 24 hrs later ): "Cmdr if you do not hand in the ship in the next 12 hrs we will have to report it as stolen property"
3rd message ( 12 hrs later ): "Cmdr we want top inform you that the ship has been reported as stolen" - Or maybe nothing then surprise surprise the first time you get scanned in your stolen ship
The bad Guys ( you have agreed to fly a stolen T7 full of loot to a meet in another system )
1st message (just after your original mission has expired ): "Cmdr we do not know what is keeping you from delivering - you know the ship is stolen, so don't try and dock somewhere there is law. If you do not hand it over in the next 24 hrs we might get angry. You do not want us angry."
2nd message ( 24 hrs later ): "Cmdr do you like your kneecaps. If so take a good look at them, fondle them, maybe make a picture - because we will smash them if you do not hand in the ship in the next 12 hrs."
3rd message ( 12 hrs later ): Ominous silence - Or "the hunt is on msg".
This said I would like the possibility to 'legalize' a stolen ship. You would have to find a minor power willing to do this (Anarchy smuggling or pirating powers come to mind ). Become their good and trusted ally. Give them a lot of dole ( up to 80% of the ships worth ).
Now ideally ( in my mind ) the legality would never be 100%. There would always be the small chance on any scan that you get discovered ( the chance should be coupled to the price in some way - a 99% percent of success should be way more expensive then a 90% of success ) and then you have to start anew.