Simple insurance solution

This forum spends an awful lot of time trying to come up with solutions for non existent problems. I know everybody needs a hobby, but this is getting out of hand.

There are 1000s of games without consequences, how about we just let Elite be dangerous.

Absolutely agree. Enough of the hand holding already! It's getting so that I can't even find a fight. Take responsibility for your actions you damn whiners.
 
I am more to non forced solution like it is now, just so we have option to pay before something bad happen.

I'd like to have the option to go "dangerous" route if I need every bit of cache after buying more expensive ship.

edit:
I don't mind current system as I am familiar with it.
But current insurance system has some flaws for new players, it is not well explained neither is mentioned in tutorials.
 
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