I think part of the reason for my thoughts on this - and let me make it clear I do not think this is an "entitlement" (we all knew what we would get for pledging) - is the existence of the alpha perk (which admittedly wasn't asked for).
At first, I wasn't bothered with the alpha insurance perk, those guys had some nasty bugs to deal with and it seemed like a nice gesture (although the timing of it's announcement stank and it seemed like a money grab). But then after having played PB, and seen the huge costs of insurance, it became clear to me that it was a very big perk indeed. Game changing.
Before seeing those insurance numbers in PB, I figured that in the final game, after a month or two playing, the insurance would be a small drop in the ocean compared to the credits I would have accumulated. Unfortunately, my experience so far shows that it's tough making money by trading, and making money through combat is dangerous (as it should be). The penalty for dying, and the insurance money due, means the alpha perk is just too much.
My preferred outcome (which will never happen) is actually:
1) Get rid of the alpha perk, and/or
2) Reduce the insurance rates
I'm sure the insurance will get some tweaks, but at the moment, the thought of having a Cobra in the final game is terrifying. For every death, you need to make an awful lot of money - which realistically, with the way things are balanced at the moment, would be through combat - which puts you in more jeopardy. And given human players are generally tougher, this will drive people to play single player more and more.
Just my $0.02
