OP proposed that it takes 3 hours to earn 10 mil and postulated that said python pilot lost 4.5 mil being someone's content.
When a commander dies, they begin again, fresh and new. New name, new Sidey, new bank account.
Maybe try not to die?
So many people say it. So many people quit the game because they lose their ship as they didn't fly with a rebuy in their pocket and most importantly so many people experience great discomfort when having to pay the bills or let alone some cargo hold full of whatever.
Why? Let's look at the logical side:
Let's assume for an example scenario a CMDR upgrades from a T7 to a Python and aims to do all-round purposes and sells the T7. Having around 80 million credits in assets, buying a Python and equip it with some basic D and C rated modules is possible. Equip some cargo racks for trading and some scanners, shields and lasers for exploration and combat in between. Maybe a mining laser as well. So for theory purposes only I say this Python is worth 70 million credits so the rebuy will be 3.5 million credits. Having 80 million in total, that leaves us with 10 million credits in the bank. Seems pretty reasonable.
Now, doing some basic trade runs or haulage missions, this CMDR gets interdicted by a pirate and manages to destroy it, gaining some extra bounty claims. After a couple of hours, let's say 3, this Python pilot managed to increase its credit balance to 20 million credits, a plus of 10 million.
Later on, this pilot decides to participate in the CG. Upon arrival, the Python is being attacked by local terrorists and is getting destroyed. We just gonna assume we don't have alpha/beta insurance and no notoriety discounts and a full cargo hold worth ~ 1 million credits so the rebuy will be 3.5m + 1m = 4.5 million credits. This is still below the profits of the last 3 hours and can easily be aquired back doing the CG or other tasks.
But, for reasons I don't understand, CMDR Python Pilot is extremely angry and complaints about too high rebuy costs and furthermore demnds rebuy costs reductions or even free rebuys.
Why?
CMDR Python Pilot has successfully made the way to 90 million credits in assets before, CMDR Python Pilot has successfully made 10 million credits in 3 hours, CMDR Python Pilot is capable of aquiring 90 million credits but is not capable of paying 4.5 million credits despite its assets being 90 million plus the bank account balance being 10 million? Sure, if the ship is lost I'd understand somehow but then again, there is a red indicator when you check your credit balance that it is lower than your rebuy costs. But as with fuel, people do mistakes so FDev added the loan function where you can borrow some credits or sell other modules/ships to cover the costs of the current bill.
That said. Why are people complaining about rebuy costs that are only 5% of the current value of the ship. Anyone who needs to pay a 5 million credit bill already managed to aquire 100 million credits and what I don#t understand is why 5 million credits are such a pain to pay when you have 100 million or more?
What would be the best imaginative, yet realistic gameplay, that Frontier could develop, would be to completely do away with the rebuy option entirely.
Since Frontier has set in motion the great "Modepocalypse" (the eradication Solo and PG modes), it is time for the developers to put their best foot forward and take a bold, imaginative step towards realism.
Completely do away with the rebuy "carebear" option.
When a commander dies, they begin again, fresh and new. New name, new Sidey, new bank account.
Regardless of PvE or PvP playing style (although "Modepocalypse" will be taking care of PvE soon enough), removing rebuy option, which is obviously nothing more that a "carebear" pillow to fall back on, would be supported by most, if not all, parties. By removing the "carebear" rebuy, the thrill and intense excitement of player socialization would increase ten-fold.
Think of it. Two commanders battling, each knowing that if they lose, it's back to Eravate at Cleve Hub with a Sidey and ten grand in the bank. Mats, mods, additional ships, Engineer invites, and everything else gone because you have died and your estate was taken by the state. Of course when its all on the line, the intensity of the situation increases. It's back to the days where men where men, and the women loved them for it.
Also, it would make all commanders think carefully before deciding upon their actions, not only in PvP (which is currently being padded with a "carebear" pillow), but in all activities. You want to land on a High-G planet? Well, you better be up on your pilot skills. Want to do some illegal activities? You better make sure it's worth it. You want to explore? Better be sure about mapping out the correct course. You like hanging in the Haz-Res, or partying in the combat zone? Best know what you doing, bucko. You like DUI driving in the SRV, flipping about the Thargoid sites? Better remember that there are no more "carebear" DUI checkpoint anymore.
"But what if I lose my ship and go back to square one?" asks the puffy-cheek, watery-eye, mushy mouth PvE or PvP "carebear" commander.
Man up, youngster! Don't look at it as though the glass is half-empty. Look at it as though you're not thirsty, and therefore, don't care how much water is in the stupid glass. If a commander loses his ship (and everything else), he/she just starts over again and gets to enjoy (once again, that lucky ) the unique experiences that our wonderful universe has to offer. It's almost like bumping nasties with a new girlfriend! Hell, you will probably have commanders doing Kamikaze suicides, or setting off the self-destruct option, just to have another go at the whole mess.
Yes, it is time to end this "carebear" pillow known as the rebuy. Yes, there are a few individuals that will say that we should keep Solo and PG modes, and that we should keep the rebuy system, but they are the exception, not the rule. In a poll taken by the STDC Faction, ninety-five percent of commanders are in favor of removing the "carebear" rebuy pillow.
And so you ask, "How can I help?"
Until Frontier implements this soon-to-be-successful, ground-breaking system, when your commander dies, don't do the "carebear" rebuy. Just hit the "start from scratch" button and show your support to Frontier (especially after that IGN review....oh, and don't forget to show your support to the Patreon commanders, of course, because when e-begging counts, Patreon will be there to help).
Show your support! Stop calling it rebuy. Start calling it "Commander Carebear Ejection Seat".
Remember the STDC motto: "Not only live free, but live for real."
This Message has been approved by Commander Joyce Dewitt, Lord Chief Justice of Liberal Arts Associate of Business Major of the STDC Faction
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Approved!! people will know when to step back and be more careful instead of just going push throttle death-wards then saying we need better payouts.
Most of the (public) rebuy whining I've seen is by PvPers, but to be fair- I've also seen quite a bit from PvErs who are flying something a bit above what they can afford to make back in terms of skill and rank. The "Noobaconda Effect" is a good example of this. To them I say - don't fly what you can't afford to lose.
With PvP- it's a response to the C&P implementation and avoiding rebuy costs as an "incentive" to engage in PvP combat. I'm actually sort of split on that one. I'm not at all satisfied with the C&P implementation to begin with, as it failed to address the actual problem- but that's a whole different enchilada entirely. I'd have to say that if PPOO does indeed go through- then pledged players fighting opposing pledged players should at least be able eligible for a discounted rebuy which would be subsidized by their pledged faction. Even 20-25% would be a good incentive for this. After all, in wartime situations when you're fighting in uniform, you're not personally spending your own cash to reimburse the faction you're supporting. In a supportive combat situation, you're likely offered some sort of benefit in reduced cost of equipment and so forth, whether being supplied or discounted supplies.
For normal gameplay- nope. Same rules should apply to everyone. No "mode-wide" bonuses or any of that . If your incentive is to engage others, you don't need it to begin with.
Has bank account buffer from years of playing
Wants harder mode now (even though you can iron man yourself anytime you like, it's not against the rules)
PvE wise, most pilots who get blown up didn't know when to call it quits and blame the cheating AI.
PvP wise, I don't know, I've been attacked 3 times and managed to flee. I've never been attacked by a group of players though, so I can't tell wether or not I'd have made it out alive.
To sum up, in the words of Gandalf, "fly you fools!".
OP proposed that it takes 3 hours to earn 10 mil and postulated that said python pilot lost 4.5 mil being someone's content.
I've always advocated getting rid of insurance/rebuy altogether. Think it would stop people chasing the money but also make people less willing to risk their ships doing "stupid" things.
This python pilot has a rebuy closer to 14 million for an armoured CG Python... even my Chieftain has more than 5 million rebuy, but it doesnt take me 3 hours to earn 10 million - more like 30-45 minutes in the right system. Is that really the point though? How many hours should a PvE pilot who has no interest in PvP/combat be obliged to invest in earning credits in order to provide 2.5 minutes of entertainment for someone else while getting absolutely nothing in return?
So many people say it. So many people quit the game because they lose their ship as they didn't fly with a rebuy in their pocket and most importantly so many people experience great discomfort when having to pay the bills or let alone some cargo hold full of whatever.
Negative, I showed a few picts with my humble 128M in my account.. and no big ships.
There is a big difference in self-imposed ironman mode and game-imposed mode: only one chickens out if things go bad. If you can't see the difference then I'd save you the dicussion.
If you want iron man mode, self impose it. If you chicken out, you didn't really want it.
Why? Let's look at the logical side:
Let's assume (...).
After a couple of hours, let's say 3,
That said. Why are people complaining about rebuy costs that are only 5% of the current value of the ship. Anyone who needs to pay a 5 million credit bill already managed to aquire 100 million credits and what I don#t understand is why 5 million credits are such a pain to pay when you have 100 million or more?