What else do you call it? You have two options currently:
1) work X hours to get ship Y without money left for insurance, risking losing the ship.
2) work X+1 hours to get ship Y with money for insurance, don't risk losing the ship.
Now people want a third option:
3) Work X hours to get ship Y without money for insurance, don't risk losing the ship.
Something about cookies, owning and eating them. We are in page 31 and so far noone has been able to explain why it is bad to have a CHOICE as to how much risk you run, other then "I don't not want to be able to make the wrong choice". Nobody EVER has to risk ANYTHING. How much simpler do you want it? Again: to each his own. For all I care FD adds a godmode switch into solo mode. Allow people to type in IDDQD, IDKFA and what not. I. Don't. Care. But please, stop pretending the game forces you to risk anything. It does not, in any way, ever, at all. You have a choice. Your choice has consequences. You don't like the consequences? Guess who you should blame...
By all that is holy: what has come of us when the very idea that our own choices somehow have consequences is considered to be brutally unfair? If I were an alien monitoring this thread I'd just shake my head and move on to another, slightly less pathetic, form of life.