But then I see the bill. I can't afford it. I start freaking out. I deselect all the modules. I'm 82k short.
-I take you at your word the SDC somehow bugged out beyond the norm (bump into landing pad on outposts known error low % of time). Never happened to me in thousand+ auto docks but not saying it can't happen.
-Also sympathize on your situation and agree deserve some help - everyone should get a get out of jail free card once I think
-But question about something that doesn't make sense to me:
Even if you didn't have enough money for insurance, you didn't have enough money left over to get you over the max loan amount?
When you die now and don't have enough to cover insurance, the game offers an additional safety net of a loan to cover your lack of insurance money - the max amount of loan is based on your fed pilot rank, but even as a brand newbie bit over week ago, I got ~900k in loan money.
You traded up to a clipper, so I assume your trade or combat or however you earned that cash got you ranked up least 2-3 ranks in something, so your max loan should be higher than the bare minimum ~900k I just said above
Even my fully loaded, and fully armed, type 7 is barely over 1M insurance. So a non-rated pilot with zero combat/trade/explore rank would have at minimum ~900k, and someone who earned enough to buy a clipper should have well over 1M max loan. The clipper is more expensive than type 7 but not by OOM much, so I assume your insurance was something like 1.X million.
Taking that kind of risk of no insurance money, well I wouldn't do it, but I get it - excited about new ship and all - I've flown risky cargo missions too where if I lost it I'd have no money to rebuild my initial cargo purchase (but always carry insurance). But it seems you not only chose to not carry any insurance at all, but you also chose to not carry even the tiny amount of seed money to boost your max loan amount to cover the non-insurance.
e.g. if your insurance is 1.5M, and your max loan is 1.4M, then all you'd need to carry is a tiny 100k in cash. I would never, ever count on it - but that loan is basically an extra safety net on top of the insurance safety net.
In effect, you ignored the first and second last gasp safety net the game throws at you - and then went AFK.
So repeat my question - were you not offer a loan? did you see the loan screen pane on the right?