It's a common refrain (and extremely good advice) to "never fly without insurance", but after pondering the game mechanics for a little while, I've come to the realization that the premise suffers from a rather significant flaw.
It's entirely possible to find yourself without insurance buyback and facing potential bankruptcy through no significant fault of your own, and this scenario surprisingly requires no torturous logical corkscrews or hugely unlikely "what-if" scenarios.
I was sitting on an out post dock yesterday looking over my finances; I recently purchased the A-rated thrusters for my python and had enough in the bank (about 9 million) for a rebuy + cargo. Not bad, right.
So I take off, and I'm interdicted by a pirate. As I'm fighting the interdiction (I won, handily), the thought occured to me that sure, I have a rebuy, but if I lost this fight, I'd be stuck at an outpost with no shipyard, no outfitting, and no way to NOT risk my entire ED progress so far by flying 90m worth of hardware uninsured. I'd respawn in my python at a dock with no way to sell fittings for cash, no way to sell python and downgrade to asp, no way to do anything but hope for the best.
The obvious retort to my predicament is "You need more money", but this is an unpredictable game; it's impossible to say "Oh, three rebuys is sufficient" because sometimes you can be quite unlucky.
And, to be honest, I'm not entirely sure what my point here is, other than as a warning that having rebuy money, or 2x rebuy money, or 3x rebuy money is not necessarily a guarantee. Or maybe it's always dock somewhere there's an outfitter or a shipyard? I don't know. In fact, maybe this entire argument is flawed, do you respawn at outposts when you die? Or does it respawn you at the last large station? I can't recall ever respawning at an outpost, but I'm hardly ever AT outposts, so that might not mean anything.
It's entirely possible to find yourself without insurance buyback and facing potential bankruptcy through no significant fault of your own, and this scenario surprisingly requires no torturous logical corkscrews or hugely unlikely "what-if" scenarios.
I was sitting on an out post dock yesterday looking over my finances; I recently purchased the A-rated thrusters for my python and had enough in the bank (about 9 million) for a rebuy + cargo. Not bad, right.
So I take off, and I'm interdicted by a pirate. As I'm fighting the interdiction (I won, handily), the thought occured to me that sure, I have a rebuy, but if I lost this fight, I'd be stuck at an outpost with no shipyard, no outfitting, and no way to NOT risk my entire ED progress so far by flying 90m worth of hardware uninsured. I'd respawn in my python at a dock with no way to sell fittings for cash, no way to sell python and downgrade to asp, no way to do anything but hope for the best.
The obvious retort to my predicament is "You need more money", but this is an unpredictable game; it's impossible to say "Oh, three rebuys is sufficient" because sometimes you can be quite unlucky.
And, to be honest, I'm not entirely sure what my point here is, other than as a warning that having rebuy money, or 2x rebuy money, or 3x rebuy money is not necessarily a guarantee. Or maybe it's always dock somewhere there's an outfitter or a shipyard? I don't know. In fact, maybe this entire argument is flawed, do you respawn at outposts when you die? Or does it respawn you at the last large station? I can't recall ever respawning at an outpost, but I'm hardly ever AT outposts, so that might not mean anything.
![[VR] Mad Mike](https://forums-cdn.zaonce.net/data/avatars/m/27/27910.jpg?1553527108){kind=avatar}
