Nalia White wrote:there is a difference between high chance and sure chance. a miner who goes to null/low has a high risk and will insure but a ganker knows exactly what happens.
Sure chance is the highest risk there is GÇö it's when the probability factor in your Cost +ù Probability equation is 1. I just find it rather telling that it is so pointless to insure your ship for every-day highsec activities. It suggests to me that the risks are a bit too lowGǪ
OmniBeton wrote:If I my car crashes or is blown to pieces during police chase (after me) do I get insurance paid out ?
You cant insure risk of beeing punished for wilful illegal activities. It plain simple.
That depends. What is the purpose of the insurance company? Is it to make money and to try to not get thrown in jail for aiding crime? Then yes, you won't be able to insure against it and any such actions will void the contract you haveGǪ
GǪbut again, that is not the purpose of insurance in EVE, so there is nothing to say that you shouldn't/wouldn't/couldn't insure against such eventualities or that it shouldn't pay out. Real life is a great argument if you want to remove insurance
completely (because everything that happens to you in-game that would make it pay out would void the contract if it were real life).
Ryllic Sin wrote:It is illogical from a game world perspective
GǪif you assume that it is a business, not a game mechanic. Unfortunately for that line of logic, it
is a game mechanic; it
is not a business. So the logic of business does not apply, whereas the logic of game mechanics does GÇö within that logic, paying out insurance for criminal acts isn't strange in the least.
Quote:As for the game mechanic aspect, that is subjective, you think it is needed, others (including me) think the risk vs reward is too much in favour of the ganker in hi-sec and removing insurance evens that up a little.
Yes! And my point is that
this is where the debate should lie, because that is where the logic of the payouts comes from GÇö arguments about real life businesses completely miss the point and are utterly irrelevant because they have nothing to do with the logic of the mechanic. This is why I keep asking GÇ£whyGÇ¥: why is this adjustment of risk vs. reward (for both parties) needed? Why do the gankers need more risk and the victims less? Why can't/don't/shouldn't the victims do that adjustment on their own?