What harsh penalties?
If you want to fly dirty then you gotta take your lumps: The insurance is right there, listed on your right MFCD - if you cannot afford the loss don't launch, it's that easy.
What he said. It's simple and no one in this game has any business complaining that they lost a ship. It's their own fault that they can't afford to replace it. Not to mention, the insurance to fully replace is exceptionally low.