I've just read a thread about a guy annoyed at losing a corvette because they got rammed by a suicide-winder outside a station. Sure, they shouldn't have been speeding, but it's the suicide part that is getting to me.
There are other suicide-related issues in the game. There is the suicide to instant travel, whether from Colonia, from 5000Ly out (for Palin), or just to skip 5 minutes of flying time after yet another skimmer mission stack.
There is the suicide to clear bounties.
There are no doubt other aspects I can't think of right now.
In my opinion, suicide should be an action of last resort. Something that you will almost *never* want to do. Something that never provides a benefit to the suicider.
Now, that may not be possible in all cases. Especially because there are ways to suicide that are difficult to distinguish from combat or accidental death.
That doesn't mean we shouldn't try to discourage it, though.
Bounties: There should be no way to clear a bounty, apart from letting its time expire and converting into a fine that you then have to pay off. Yes, that means dodging security and bounty hunters for 7 days. Don't like it? Don't do the crime.
Fast travel (Palin): The 'distance from start' should be split into two: the existing 'distance from start', and a new shadow 'distance from start as at last dock' which is only updated from 'distance from start' when you land on a landing pad somewhere. If you die at any time, then 'distance from start' is replaced with 'distance from start as at last dock'. Things like Palin's invitation check must only occur when you land on a landing pad and be based on 'distance from start as at last dock'.
Fast travel (missions): The basic problem here is that some missions pay out immediately while you are in space. IMO they need to change to be like kill vouchers. i.e. you don't get paid until you dock somewhere and if you die then you lose all your vouchers. These new 'mission vouchers' should be able to be cashed at any station with the Contacts facility.
Fast travel (Colonia): I can't think of any reasonable method to discourage this, apart from removing the option to restart in the starting system in a Sidewinder entirely. Is that option really necessary, though? Isn't restarting in the last station in a Sidewinder enough?
Insurance in general: Currently rebuy is only a small percentage (regular backers are 5% (I think), Beta backers (like me) are 3.75%, and Alpha backers are even less). To discourage regular rebuys, insurance costs should gradually rise, say 1% point for each rebuy up to some maximum. It could then decrease over time, say 1% each day/week until it returns to the baseline value.