Bit of a strange OP. Not that there haven't been plenty of aggrieved folks who lost their ships and couldn't affored the insurance or could but were left with almost nothing. But heck, I've gotten myself destroyed a truly shameful number of times. And that's what I get for being a reckless hotshot. But one thing I'm never risky about is my finances. I don't fly without my insurance cost several times over.
Grinding is not the most fun thing in the world, I grant you. But I don't think it should be made easier. I don't my achievements to be cheapened by making the best ships easier to get. What I would actually like is some more variety in how the credits can be made, which, for me, would break up the occasional monotony of the credits grind (trading gets to me if I'm on it for more than two days consecutively, and on exploration I start fantasising about flying into dock after two weeks).
I'm a bit baffled about the comments regarding the bad community. I've seen a few mildly inappropriate posts here and there, and a few people getting a little too angry, but nothing that concerns me. This sure ain't no CoD hangout. And I ought to be a prime target for any trolls trying to pick on people, but I haven't actually encountered anyone. I also haven't encountered any griefers in-game, though I've heard reports of them and obviously that needs to be dealt with - and it is - hit the Report Player button.
All in all this is one of the best produced games I've ever played, from a team that listens to feedback, and with a community that is in the vast majority decent and a great place. I'm part of my own clan, and none of us have walked away or are bored or frustrated yet. On the contrary we've become ever more engrossed, getting involved in making our own site, doing Elite related stuff outside of the game too.
Sure, the game could add in a lot more material, there's potential for a lot more variety and things to do in the game... but I'm even happy with it the way it is now, and I'm happy to wait until those additions come along. Got no complaints here.