Ship Suicides

[Quorg]

Maybe some of the availability issues will be solved in 4.85.
Powertrading is an issue, yes, but if we we have banks & insurance companies, you probably don't have to powertrade each time. The banks will pay an interest on your deposit, they will earn this interest from loans to
upcoming traders and insurance companies. Insurance companies will get their credits from rich(er) players, trading companies and will take loans from banks in case of emergencies.
Obviously insurance will not payout in case there is a war or terrorist event - they always have an escape clause !
Economy - It's a vicious cycle.

Um...
What banks are still active?

Even if there are, there is still the same financial disincentive to losing all your weapons.
And still nobody has addressed the fact that not all deaths are a result of the player or character's own decisions- take a new player getting killed by a Phantom and such.
Dumb luck shouldn't smash players into poverty.

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ATTENTION SMUGGLERS
The Midnight Express: A Slaver <strike>who doesn't completely realize what he's doing.</strike> (video)

Quorg, you're officially a moron.

...mongs like Quorg being like a malignant little cancer...

Way to be useless, Quorg.