It is too early to come to any conclusions when the game is still being developed and is far away from being complete. Here is the quote from another thread:
Hello Commanders!
Just to add a developer perspective:
We totally understand that when the game fails and nukes your career it's horrible.
Unfortunately, the fact is that whilst we are working on making the game, this can and does happen unintentionally - it's the bane of pre-release software and also one of the things that beta testing specifically help us track down and fix, making release that much better.
We don't have all the systems for softening ship destruction operating yet either. There's a creditor system we want that will allow Commanders to sink into debt but retain their ship (this also adds hooks for missions and events).
There are the ranking systems that should help Commanders gauge the risk of each encounters.
There's the wing formation to allow Commanders to group up for added security.
There's a new ship insurance policy feature we're considering that will reduce or remove the cost of ship destruction for a set period.
And there's various ongoing updates to make sure that the game play spikes less often and more predictibly.
The bottom line is that I hope you guys don't give up, we're trying to make something that's a little different, very cool, and fun.
Risk is a big part of that for us - the risk is what makes success so satisfying, but we're not indifferent to the issues you testing folk are encountering - that's what this pre-release period is all about, testing our theories, tweaking them, changing them into something we feel gives the best result for the game.