There is a huge difference here: In real life, nobody buys a car with the expectation or even likelihood of it being damaged or totaled, hence insurance is willing to be both affordable (relatively) AND able to cover the full cost of the car; however, when it comes to EVE - and this is backed up in lore, mind you - ships get blown up all the time both illegally and legally (ie. wardecs, bounties, suspect/criminal timers, nullsec, etc), including non-combat ships such as freighters incapable of arming themselves, so it is not pragmatic to cover the full cost of a destruction that is basically more likely to happen than not. In fact, did you know that you get insurance payout for ships you self-destruct and for ships that were destroyed but that you had ejected from? Do you really think an insurance company wants to pay the full cost of a ship knowing they are obligated to pay you even if you eject and fire upon or self-destruct your own ship? The insurance is there to mitigate the impact of your loss, not to recoup it completely. It is supplemental rather than compensatory in nature.
I should also note that in real life we have something called “supplementary health insurance” that most people probably haven’t heard about unless they’ve worked for a large company; it’s basically a form of health insurance where you are paid a flat amount “per incident” regardless of the costs of the actual injury. The payout is almost always less (though sometimes it can be more and you could ‘profit’ from it, especially in conjunction with good primary health insurance), but it’s not intended to fully cover to cost, only to mitigate it (lucky you if it meets or exceeds the cost, however). Hence you have a real life example of insurance that is not one-for-one.
People buy insurance all the time. More often than not insurance is purchased rather than not purchased (at least for T1; you probably wouldn’t bother for other tiers unless you were certain you’d lose the ships within 12 weeks as in the case of continuous PVP). The problem you describe is not one that exists. You might argue that “middle tiers of insurance aren’t bought often enough to be worth existing”, but that’s an unrelated argument to this thread.
This is a solution in search of a problem. There is no problem to be solved, and this solution does not enhance the game, but it would mess up the market.
This may be true, but players are entitled to their ignorance and poor decisions. One may argue that they had it coming, but CCP should do everything in their power to ensure players are able to have fun without disenfranchising other players, hurting the economy, etc. Very little is being awarded here macroeconomically speaking, but so much is to be gained at the individual level.
I wish more players 1. joined (hopefully good) groups early and 2. actually participated in fleets/classes of groups they joined, good or not. It is a shame that you are the exception to the rule rather than the norm. Consider yourself fortunate. I appreciate your concession, however; the rose-colored glasses have to come off to see the situation from Joe Average’s point of view
#Aet4CSM16 : Because when it comes to newbros, he cares without carebearing.