Cost of ship: 15m
Cost of mods: 10m
Cost of basic implants: 10m
Cost of some temp boosters: 5m

Cost of playing longer than most other players: 45m

You currently have 400m to spend this weekend
What is better for EvE in worst case scenario.?
Losing 10 ships, 100 modules, X boosters
or adding clone costs
losing 4 ships, 40 modules... etc.

If you are more willing to lose items without the worry of clone cost, the more the player market moves to make up for the lost items, and more items being wiped from the face of the universe. Although they lose an isk sink, its still a healthier game for it. An adjustment in insurance by a few % can easily offset the clone isk sink. I just know there is a graph somewhere showing the total loss of clones in a year and yearly payouts of insurance.

Bloated clone costs punish the minority that love the game enough to keep playing past the standard few years of interest.
Some peoples solution, make a highly specialized alt with little SP... then what about your main? Are you dooming it to eventually be some super cap stuck alliance tool? Not training SP on some character is not an option considering you are paying to train 24/7 and to not make use of training time is silly.

Years of training will let you do missions, mining, combat more efficiently. Yet you can only EVER use so much of your SP at a time, and while your effective skill to time required for a task eventually hits lvl 5 and can no longer be boosted. The clone cost still escalates beyond the earning capabilities of some professions. Just because you play for a long time also does not mean you are a mega ceo with underlings in step underneath you giving you isk. Nor will you be rolling in isk as a weekend warrior,
CCP simply punishes players the longer they stick with it.