ED: I luv it ... i hate it

[Apec Valorian]

By the way, i actively encourage people who want to use rude language to instead use the word Jameson in place of them.

eg: I hate this Jamesoning game. Its completely Jamesoned up! Jameson it, i'm outta here!

My theory is, if it becomes a commonly used swear word, then FD will have to censor it!

Just be aware that you're walking on thin ice with this. Not only is the open use of swear words to be avoided, but also the disguised use.

As for the automatic censoring mechanism, one reason why it's rather strict may be the fact that the ED forums are part of the general Frontier forums, and there are some games in the Frontier portfolio aimed at a much younger audience.

 

[BBcokeley]

I feel for your loss, but this is the game we have as it is, and I remember the quote from Michael and it applies here I think as a good reminder 'Thing will work out' in regards to people who used the rare commodities to earn their millions before release, I bet its happened to a few more.
.
Chin up mate, you still have a lot more cash than some people ingame

 

[phets]

I didn't know it was possible to take out a loan.

 

[gamecat]

Actually nothing like real life.

In real life i pay my insurance up front. I dont go any buy a vehicle before i've got the money to pay for my insurance.
I dont use my vehicle, get involved in some mishap and then at that moment realise that I'm unable to pay the premium.

Also the reason i've been using the Python with no money (initially I had 20k, which was kindof fun to try and build up a balance), was because I lost several million in Founders world while trying to work out why the advertised prices for ships were not what the game was actually trying to charge players. If that part of the game wasn't also bugged, i've had had around 6million cash after buying the Python.

Anyway the above is not really the point. I was trying to highlight the fact that someone at Elite thought that putting in a "Loan" system was a good idea to cover those players that didnt have the funds to pay insurance at time of a mishap (because you can't buy it up front). But the 'cap' they have put in, basically means the Loan system is useless for a % of the times that players would be in a position to want to use it.

Most probably because they assumed if your flying around in a 20 mill+ ship you wouldn't be that stupid you not have your insurance covered. If you were a noob however it gives them a break.

It's not hard to make sure you have a reserve of cash for insurance.

 

[BellatorMonk]

So if you choose another older ship to recover with..does your current ship that you couldn't replace with insurance remain in the Q if/when you have the cash to replace with insurance or is the insurance offer a one time deal right after death?

Sucks to lose an $80 million credit ship, however if people are already flying around in Pythons and most of us are struggling to purchase/maintain Cobras without playing Space Trader Sim 2014 everyday (which is what I assume the OP did to afford a Python so quickly) the I can see online play will be pretty much empty soon.

I myself am on the cusp of maybe starting to playing this game a few times a week at best as I am stuck playing Space Trader Sim 2014 to gain any credits related to time spent playing. BH is useless and time consuming, and nothing else makes enough credits to feel like this isnt a second job and STS2014 is pretty boring, especially having to use spreadsheets and hand written notes to "look" for deals to scrape a living from.

 

[nats]

Getting annoyed with the game and rage-quitting because your computer has problems is not entirely fair. Just start again from a Sidewinder, whenever I have started again Ive seen it as a challenge and had fun trying to play the game another way so perhaps try that. I dont think there needs to be a cap but for me that loan repayment is far too low, they should be taking 40-50% or your earnings not 10% if you lose a ship. Look at Dragons Den and see how much mark up they expect on their loans.

 

[Luftwolfe]

how could you die in a armored shielded python just by toouching? I've hit the docks near at full speed and didn't lose all shields. In a viper.

This.

The truth seems awfully stretched I feel like. Either that or there's some major bug that FD apparently doesn't know about.

 

[Jackboot]

A feature where you can lock out funds, (say the cost of a insurance payout or two) so they can't be accidentally spent and thus preventing leaving you in such a situation would be good.

This wouldn't be a feature so much as it would be the game making decisions for you. There is already way to much of that now. Just my opinion of course.

I'm completely and utterly stunned and shocked by all the players wanting all risk removed. Ive never witnessed anything like this before in my life of gaming, especially from a PC audience who are normally the first to complain about things being made pick up and play, and Ive played alot of games on lot of platforms on a lot of forums.

Its sad to see isn't it? Gets worse every year too, almost all new games, big MMO's, etc have no death penalty at all anymore. You don't have to think before you do anything because you have nothing tangible to lose. Games with actual risk or ones that require you to think or plan a strategy to avoid death or loss are not popular and die slow deaths.

Its expected now in every game or the game is "broken"

 

[-VR- Max Factor]

I personally like the risk that I may lose my ship and have work my way form the sidewinder. There is no endgame, the game just continues not matter what ship you have and to me is just as enjoyable.

At least the OP has enough credits to buy a new cobra and pimp it up a bit.

I risked my Cobra all weekend as I didn't have enough credits to cover the insurance (I wont take use the loan option), and thoroughly enjoyed it. Especially the fights with the pirates who interdicted me.
Its all part of the game, and the risk I chose to take.

 

[TriumphANT]

I personally like the risk that I may lose my ship and have work my way form the sidewinder. There is no endgame, the game just continues not matter what ship you have and to me is just as enjoyable.

At least the OP has enough credits to buy a new cobra and pimp it up a bit.

I risked my Cobra all weekend as I didn't have enough credits to cover the insurance (I wont take use the loan option), and thoroughly enjoyed it. Especially the fights with the pirates who interdicted me.
Its all part of the game, and the risk I chose to take.

Exactly. The loans cannot be infinite. It's a game, and it has a mechanic way better than "restore from save if I do something stupid" I think 200kCr is pretty fair.

This morning I did a run in my Adder with around 6T of Silver (nice profit run) and filled my other 10T with something else expensive. Doing a trade run in a 270kCr ship with your remaining 60kCr in the cargo hold is exciting! I had 471Cr left, so would have been set back at least 120kCr over that run if I'd been destroyed, so would have been going back to start with a 200kCr loan, and a basic Adder without my nice cannon and beam LASERs. That would have shown me why NOT to do that! I got interdicted close to a station, and had a nervous battle with another NPC Adder with gimballed weapons. 99% Health to me... A bit of debris and 4600Cr bounty left over from him.

The only possible future solution might be to have costed insurance paid up front, e.g. 8% of the ship cost per year or something with a no claims bonus for good behaviour. Maybe the insurance company could put one of those "safe driver" trackers in your cockpit. Don't do any scraping when landing, or get too much damage and you get a 15% cashback deal and a free Meerkat bobblehead.

 

[Vagabond]

It would be nice if there was the option to recoup a fraction of the initial ship's value back, to prevent total bankcruptcy like in the case of the OPs.

 

[Neilos]

I think that you should be able to get very large loans. BUT large loans come with high interest and more dangerous debt collectors and you have to pay it all back... UNLESS... you manage to kill a sufficient proportion of the debt collectors so that they leave you alone. If you die with an outstanding loan however then you don't get another. You should also be able to get loans in game without dying with the same consequences, not paying off a loan might even become a bounty if it expires and then all players will be coming after you too. Now THAT would be fun. Loans should also be faction based and based on your rep with them. When you die you can choose who to take the loan from.

You might end up with several million in outstanding loans from Empire, Alliance and Federation and be exciled to Anarchy space with constant fear until you pay off the loans.

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I think that insurance should be provided in cash and players are always given the free sidey. But then that would mean real insurance... which this is not. Maybe you always get 75% of the value of your ship and never the full amount (minus the costs of course, I don't know how much you have to pay currently).