Game DEVs ignored insurance policies, how insurance is working, they strapped it to a game mechanics only to reimburse losses people will take in a war, even ignoring the fact that PvP without industry and PvE is a bad idea, and the connections are for players to make, not for CCP to reimburse anything. But if you talk private assets, you have to make the same assumptions as in real life, else the system would not work for insuring company and insured. Only that CCP is the insuring company and they can print ISK as they wish.
Its not serious treatment of course. Tell me, will anyone stop building capitals because they will not be reimbursed in the war? I think they will be built to have advantage and losing them will matter a lot more, so there will be more risk.
EVE will be real again. \o/