El Yatta
Mercenary Forces
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Posted - 2008.12.01 02:39:00 -
[1]
Are you the biggest carebear ever? Apparently so, if you want insurance boosted.
Hint: how could T2 insurance POSSIBLY work?
Look at it this way -in T1 production the margins are almost never larger than insurance cost, so its always more profitable to sell than to insure and self-destruct. With T2 this is not always the case. If T2 insured to whatever they were worth on the market (which varies, btw) then it would make sense for some manufacturers just to blow up their stock for money. Not good.
Secondly, it opens up loads of cans of worms. For example, how does it calculate how much to pay out?
- If it does it when you insure, then that's easily exploitable. You simply wait for the price to decrease and then explode your stock. Its nonsensical for insurance to make you a profit.
-If it does it when your ship dies, vice versa. It also allows for a situation where genuine consumers lose out on the insurance, but commercial interests exploit the insurance system just to generate ISK (and contribute to inflation)
- What prices does it use? T2 insurance uses current base price now, and you dont like that. So presumably you want market price, so you can buy a new one? Market price is a regional thing. This is REALLY exploitable.
You go to a region where there are none for sale (e.g. an empty 0.0 region) and put up 1 taranis for sale at 1.5bn ISK. You then insure 50 other taranis you built for 2m each for that, and blow them up. Tralaa! Cost you 25bn to insure them, but you made 75bn. The outlay for the materials and time was a paltry 100m plus a few sales taxes.
This is just ignoring the rather good argument about how PVP in EVE is not meant to be risk-free and eaasy, and perhaps losing T2 ships are meant to hurt a little?
Or how about the greatest stupidity of your post - where you say "why cant we insure mods on ships, like we can do contents in real life", and also how insurance doesnt make sense. Do you REALLY want the insurance system in EVE to make sense?
Because making sense means that they try to make a profit. It means they assess the risk. And the risk of losing a WARSHIP in a game about combat, is pretty ****ing high. Would you like your premiums to rise to 200m a week because you took your BS into lowsec? Or be refused insurance for an interdictor, under any circumstances ever? Thats how a sensible insurance system would be.
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Mercenary Forces |