Ship loan if no buy-back money

As a lot of people have engineered modules, and not being able to pay the insurance is more than a credit problem, I suggest the following...

If you can cover the insurance, fine, no changes.

If you can't pay the insurance, have an option to take out a loan for the total cost of the ship (not just the 5%) to be able to buy it back at full price and keep all the engineered modules. Optionally charge 10% interest per week/month.
 
EDs first rule is don't fly without rebuy.

You can also sell stored ship to cover the costs.

Money management is an excellent real life skill. And IMHO, more games should teach this.
 
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