The fact we can have 200.000 loan to cover our ship's insurance creates a lot of pain and tears. People get used to that they can crash without consequences in sidewinders and eagles or even vipers and cobras, and when they buy some expensive ship first time and then crash, they are very unpleasantly surprised this rule doesn't apply anymore. Then they come to forum and complain how bad the game is because of that. I think it should be lowered to maybe 10.000 or better deleted at all.
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