Well... technically each time you eat a rebuy you 'save' 95% of your ship

and when you decommission the FC, you get most of the credits back also.
Decommissioning a FC isn't an "on failure" event, though - same with selling modules and ships for a mostly-full refund.
I'm thinking more about "you don't get refunded if you die with exploration data aboard" or "you don't get refunded if you get stuck in the mailslot and killed for loitering at the end of a two-hour mining run". And yes, those are certainly also the sorts of events which can and have put people off the feature or the game; other people actively enjoy having some level of risk or tension; can't really please both at once.
Again, really depends on what the requirements to fulfil are, but I'm currently expecting along station repair levels, even though I think that would be too much, I can see FDev at least initially aiming for that ballpark.
They've said they want it to be within reach of an established solo player, not necessarily at the FC ownership level (though presumably with access to a T-9 or Cutter for bulk hauling), who gets four weeks to do it.
If we say that means someone with the hauling rate of a 50% CG participant, that would put the requirements in the 20-30kT range at most. If they're intending after testing to relax the range limit enough that people
can start doing things beyond the fringes of the existing bubble, that probably falls to about 10kT even for just an extra 100LY of round trip based on what happens with out-of-bubble trade CGs. And that sounds quite low for an organised group, of course - Op IDA hauls 250kT a
day and there are even bigger groups than that out there.
There's no good balance point between "individuals stand no chance" and "large groups can successfully colonise hundreds of systems at once" though, so it's just a matter of seeing which of the two "problems" they've gone for.