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Insurance and Loss due to criminal activity

First post
Author
Elson Tamar
Aliastra
Gallente Federation
#61 - 2011-10-23 07:57:48 UTC
Hey i think this is a great idea, do somthing criminal no insurance payout. To all the suicide gankers who are up in arms at the suggestion, well by your own Mantra man the **** up and stop moaning like a carebear. Lets face it this is just a disscussion and we are getting tears..... Big smile
Tippia
Sunshine and Lollipops
#62 - 2011-10-23 09:01:33 UTC  |  Edited by: Tippia
MeestaPenni wrote:
Not a risk. A cost of doing business.
By that logic, there are no risks to anything in EVE. It's all just the cost of doing business. That means there is no particular reason why insurance should be removed to fix some problematic “no risk” situation.

Risk is very simple: it's a cost multiplied by the chance of it happening. All of what you listed are costs. All of them have various levels of probability. All of them are risks. Moreover, you skipped the really big risks — the ones that end up costing you: time, drops, failure, window of opportunity.
Adunh Slavy wrote:
Sorry, I did address the point, since I made it, you're the one evading.
You made a point, not me, and you then addressed it as if it were mine. This makes it a straw man. So no, you didn't address my point.
Quote:
It should be removed because it distorts behaviors outside what humans would other wise conclude as a reasonable action.
Yes. Like I said, that's its whole purpose: to incentivise ship loss and make people do things they otherwise wouldn't. So why should it be removed? Why should ship loss be disincentivised? Or do you want to claim that insurance for ganks doesn't incentivise ship destruction? If so, what difference does it make if you remove it? Your assumption here is that this distortion (if indeed it exists) is somehow bad — I'm asking why, and how?

You never answered any of these questions…
RAW23
#63 - 2011-10-23 09:51:40 UTC
Slade Trillgon wrote:
I will paraphrase a comment by Tippia from the past few days.

Eve's economy is drvien by the destruction of ships and others stuffs, therefore we should double the payout of ships used in ganking TwistedLol

Also, the obligatory. Here we go again.


Slade


Eve is a game driven by consequences for actions. It would be very easy to encourage ship destruction - just provide complete refunds for all losses. But if you minimise the consequences for losing ships you minimise the uniquely challenging features of this game.

Btw - I note that the 'ship loss is good' brigade never suggest that haulers should be encouraged to be more reckless with their ships by receiving full insurance for their cargos. Odd that. It's almost as if they are not really committed to the argument and just want to use it to make a cheap 'point'. Blink

There are two types of EVE player:

those who believe there are two types of EVE player and those who do not.

Tippia
Sunshine and Lollipops
#64 - 2011-10-23 09:58:06 UTC
RAW23 wrote:
Btw - I note that the 'ship loss is good' brigade never suggest that haulers should be encouraged to be more reckless with their ships by receiving full insurance for their cargos.
Could be argued that this is because said cargo has a chance to survive when blown up, unlike the ship (duh! P), and that's your insurance right there… granted, chances are good that you won't be the one to collect it.

Then again, considering how something as cheap as a tank is supposedly bead because it removes profit, do you really expect the haulers to cut their profits by 20% by constantly insuring their cargo? Blink
CCP Phantom
C C P
C C P Alliance
#65 - 2011-10-23 10:01:45 UTC
Off topic posts removed.

Please stay on topic, thank you.

CCP Phantom - Senior Community Developer

RAW23
#66 - 2011-10-23 10:06:23 UTC
Tippia wrote:
Igualmentedos wrote:
-I've answered why.
So… because of high reward and no risk?
Ok… prove it.
Quote:
- "Why should gankers be smacked in the face, financially?" There is no risk for the reward. Looking for a target is not a risk.
Yes it is. It's the risk that you just end up wasting your time and not finding anything. You might want to look up the whole concept of opportunity cost.



I'm afraid that if you want to factor opportunity costs into ganking then you must do exactly the same for hauling and mining. If lost opportunity costs are to be considered risk factors then mining and hauling must be considered very high risk activities even before the possibility of being ganked is taken into account. But that just shows that this is NOT a good way of quantifying risk. Risk just isn't the same thing as failure to pursue optimal financial strategies.

There are two types of EVE player:

those who believe there are two types of EVE player and those who do not.

Anya Ohaya
School of Applied Knowledge
Caldari State
#67 - 2011-10-23 10:18:47 UTC
Tippia wrote:
Tarkoauc wrote:
[Insurance is here to mitigate the risk of the accidental loss of your ship.
No. It's there to mitigate the cost of ship loss. “Accidental” is not a factor.


And you would know that because you designed the game??

When the last major nerf to insurance was implemented CCP stated that insurance was designed to help players get back on their feet. It was not designed to make players money.
RAW23
#68 - 2011-10-23 10:20:20 UTC
Thinking about this from a different perspective, insurance payouts for suicide ganking act as a form of mission reward. Perhaps the best thing to do would simply be to shift the source of this reward to somewhere that makes more sense. Pirate factions could offer bounties on ganked ships in highsec or offer missions the completion of which would involve ganking with the reward being insurance cover. That is to say the mechanic of financial support for gankers could be retained within a less jarring context.

However, when thought about in this way it becomes clear that the player interactions involved in ganking are not true inter-player interactions but NPC led interactions (insofar as there would be no point interacting with at least some targets in this way without a subsidy). This seems rather against the ethos of the sandbox. But, on the other hand, it could be thought of within the paradigm of something like factional warfare, which is similarly 'semi-sandboxy'.

Regardless, if it is felt that this subsidy is necessary and worth blurring the sandbox boundaries for then it seems to me that it would be preferable to have the subsidy provided in a more appropriate way.

There are two types of EVE player:

those who believe there are two types of EVE player and those who do not.

Tippia
Sunshine and Lollipops
#69 - 2011-10-23 10:36:33 UTC  |  Edited by: Tippia
RAW23 wrote:
I'm afraid that if you want to factor opportunity costs into ganking then you must do exactly the same for hauling and mining.
And guess what? That's part of where I want to arrive with all this.

People keep saying “oh, but I might lose my 200M ISK ship — huuuuge risk”, but they keep forgetting the other parts of the equation: the reward and the probability. How often does that loss happen? How much have they accumulated before they lose that ship? How large is the final net loss when (or even if) they're eventually targeted?

Same thing with the gankers (or the image of them at least): yes, it's entirely possible to discover some motherload of drops — someone carrying BPOs and a large pile of meta-bajillion items… but how much waiting around happens between that? How many opportunities are missed? How many targets are lost because you can't be there because of the last gank? How many are lost because you picked the wrong gate to scout? How many turn out to be a net loss due to the RNG hating your guts? I'm not even talking about opportunity cost as in “doing something else/something more profitable” — I'm talking about doing the exact same thing and inherently losing out on opportunities to either earn large volumes of small (net) rewards or on opportunities to score it big.
Quote:
If lost opportunity costs are to be considered risk factors then mining and hauling must be considered very high risk activities even before the possibility of being ganked is taken into account.
That depends if we're talking about opportunity to do something else, or opportunity to collect from what we're already doing. In the former case, then yes, but the same goes for ganking — same, same. If it's the latter, then not so much for miners, but most certainly for gankers.
Quote:
But that just shows that this is NOT a good way of quantifying risk. Risk just isn't the same thing as failure to pursue optimal financial strategies.
Fair enough: it's not a quantity of risk — it's a risk factor. It's (confusingly enough for something called opportunity cost) the “probability” part of the Cost × Probability equation.

You risk losing out on “ze big van” when cooling your heels or when being too slow. Perhaps a better measure, in terms that most highsec dwellers understand, is ISK/h after expenses. Is it any better or worse than what hose miners/traders/haulers collect? Basically, so what if their risks are low? Anything you do in highsec can be done with next to zero risk if you do it right. The real question is: how does it stack up against other activities? Is it unfairly profitable compared to mining, hauling, mission-running, explorations, incursions, trading, S&I, whathaveyou?

…and before anyone chimes in with “so do that instead” — that's not the point. Or, rather, if you use that as your point, then the miners/haulers can also go do something else, and having nothing to complain about anyway. The point is that the gankers want to gank just like the miners want to mine. Neither of them want to grind incursions, even though the pay is several times higher and the risks are nil — they want to do what they want to do, and the question is whether that activity is unbalanced or unfair compared to other methods of making money in highsec.
Anya Ohaya wrote:
And you would know that because you designed the game??
I know this because I play the game. Look at what causes insurance to pay out. Trust me, “accidental” is not a factor unless you consider putting your ship in the line of fire of lasers an accident…
Quote:
When the last major nerf to insurance was implemented CCP stated that insurance was designed to help players get back on their feet. It was not designed to make players money.
…and guess what, it doesn't. Well, not as much, unless you have very friendly a helpful miner/manufacturers who have no clue about the value of their work. The old insurance fraud is largely gone.
Brooks Puuntai
Solar Nexus.
#70 - 2011-10-23 10:50:22 UTC
Why are there 2 of these threads. Anyways insurance payoff should be removed from concord deaths, my reasonings are in the other thread. Cba to repost.

CCP's Motto: If it isn't broken, break it. If it is broken, ignore it. Improving NPE / Dynamic New Eden

Mag's
Azn Empire
#71 - 2011-10-23 10:53:30 UTC
Fille Balle wrote:
Mag's wrote:
You best tell me how long it will take to train, I don't even know what you consider needed skills. Best list them too.

Also, I'm sure there will be a stipulations in regards to alt recycling, time and uses etc, may be you could list that too.
Or, as you seem to be well informed in this regard, you could simply point me towards the information.


Having done some simple calculations, you can be sitting in a cane firing arties with gyros fitted in less than 10 days. That is, from a fresh character. And to enlighten you a bit more, here's how you get around those "wasted" skillpoints:

1. Start up new account and make new character
2. Begin training towards Cane + med arties + gyros
3. Once you can fly the cane, make a new character and start training that one instead
4. Start ganking with the first character, and if you profit exceeds 400m proceed to step 5, otherwise return to step 1
5. Buy plex, start transfering isk to your main account. As long as income exceeds 400m per month, keep purchasing plex.
6. When the second character is done training, biomass the first and start using the second character, begin training charcter 3.

I have never done any suicide ganking nor have I ever been suicide ganked. But some reliable sources have told me you can easily make more than 400m in a week if you pay attention and know what you're doing.
It was a Tier 3 BC we were talking about and I asked you to list the skills you think are needed.

Destination SkillQueue:- It's like assuming the Lions will ignore you in the Savannah, if you're small, fat and look helpless.

Andski
Science and Trade Institute
Caldari State
#72 - 2011-10-23 12:51:26 UTC
High-sec was never intended to be "safe." Get over it.

Twitter: @EVEAndski

"It's easy to speak for the silent majority. They rarely object to what you put into their mouths."    - Abrazzar

DireNecessity
Mayhem-Industries
#73 - 2011-10-23 13:04:40 UTC  |  Edited by: DireNecessity
Quoting Adunh Slavy:
It should be removed because it distorts behaviors outside what humans would other wise conclude as a reasonable action. It distorts Eve's sandbox as a crucible of human nature into the realms of the frivolous.

I take great affront at this comment.
I’m no mere human. I’m a Demigod. So are you.
Watch the intro son.

DireNecessity
Adunh Slavy
#74 - 2011-10-23 13:09:34 UTC
DireNecessity wrote:
[quote=Adunh Slavy]It should be removed because it distorts behaviors outside what humans would other wise conclude as a reasonable action. It distorts Eve's sandbox as a crucible of human nature into the realms of the frivolous.

I take great affront at this comment.
I’m no mere human. I’m a Demigod. So are you.
Watch the intro son.

DireNecessity


Daft equivocations don't count.

And to Tip - BullSh on your last comment. :)

Necessity is the plea for every infringement of human freedom. It is the argument of tyrants; it is the creed of slaves.  - William Pitt

Silent Lamb
Ministry of War
Amarr Empire
#75 - 2011-10-23 13:09:38 UTC
Jhagiti Tyran wrote:
I like the idea of realistic insurance in return for realistic police.


I agree. I like the idea of realistic insurance in return for realistic police. I think that if people want suicide gankers to not get insurance (as in the RL) then we should have realistic police that you can successfully run away from. in addition to that, I feel that if you're elite enough you should not only be able to run away from them, but successfully tank them and blow them up. I also feel that those CONCORD rats should drop awesome loot (like RL police when they have the right stuff.... and some of their pistols are very expensive and very nice depending on the country).

wait.... CONCORD was like that once.... a very long time ago.... and then they changed to the lolwtfcan'thurtmeyourdead force that they are now. hm... people still suicide gank, it's a part of the game mechanics to be able to do so.... if insurance was removed from suicide gankers and then CONCORD was equally adjusted to also be more RL (which is what the people against suicide gankers getting the insurance want, right? more RL likeness?) wouldn't there just be more suicide gankers after getting those things updated to be more 'RL'? I think this entire thread is only in here because some hulk pilots are tired of losing their ships. There was a paladin (I think it was a paladin) kill a while back where the paladin pilot had been running level 4's in the most expensive non-titan ship ever recorded due to the officer modules he had equipped. it took like 30 or 50 people or so to actually pull off the successful gank. the paladin pilot didn't complain about his losses, nor did he state he thought the suicide gankers shouldn't be paid their insurance. He complimented the gankers on being innovative, fitted another ship exactally the same and continued running level 4 missions in high sec. he has not been suicide ganked again as far as I know. I bring this up because the potential reward of even 1/4th of his modules being dropped is more than enough to pay for another 30 to 50 ships to gank him, yet no one has ganked him since (to my knowledge).

suicide ganks are rare. even if insurance is taken out of the game for criminal acts, people will still do it. the only place where suicide ganking doesn't actually have a potential benefit for blowing up the ship is with blowing up mining barges and exhumers, which can be done with 2 to 3 destroyers working together. oh wait, drop the ore.... drop some t2 modules from the tank, drop 1 or 2 strip miners.... oh, hunh, that covers the cost of the destroyers as well as some of the modules to equip those destroyers with...

removing insurance from suicide gankers won't solve your problem of losing your hulks. people will just wise up and use destroyers to do it. I suggest a blaster catalyst or ac thrasher.

The Point: removing the insurance payout won't stop suicide gankers, it will only fuel them to find cheaper more effective ways to do it so they still get their payout. I mean, hell, not everyone does things for a reason. some people just like to watch the world burn.

Where are they taking the hobbits?

http://www.youtube.com/watch?NR=1&v=VznlDlNPw4Q

Endeavour Starfleet
#76 - 2011-10-23 13:14:26 UTC
What a particular large alliance recently proved is that the current system is not working. And is allowing said alliance to operate an operation to rig the market in their favor with very little risk in comparison to the damage they are causing.

It is time to remove the insurance as a first step. At the minimum of balancing out the fact that the Tornado and other ships of its type are about to become the new defacto gank ship.
Silent Lamb
Ministry of War
Amarr Empire
#77 - 2011-10-23 13:33:03 UTC  |  Edited by: Silent Lamb
Endeavour Starfleet wrote:
What a particular large alliance recently proved is that the current system is not working. And is allowing said alliance to operate an operation to rig the market in their favor with very little risk in comparison to the damage they are causing.

It is time to remove the insurance as a first step. At the minimum of balancing out the fact that the Tornado and other ships of its type are about to become the new defacto gank ship.


like I said above, if insurance is removed, people will result to more effective and cheaper means i.e. 2 to 3 destroyers... and I know you're talking about suicide ganking hulks. my question is why can't people just come out and say that it's not about suicide ganking people, it's about suicide ganking hulks. Ninja salvagers don't suicide gank, and they can potentially ruin mission runners... you don't have to suicide gank in war decs where everyone just ends up docking unless they're combat pilots... and I don't really hear the elite omglolwtf officer and deadspace fitted BS pilots crying... so yeah, I can assume it's safe to say it's the hulk pilots.

what's the saying? applied physicist are from Venus, theoretical physicists wonder why it spins backwards? ... no, that's not it... oh I remember.... DON'T FLY WHAT YOU CAN'T AFFORD TO LOSE!

EDIT: that paladin loss.... here's a news clip about it
http://massively.joystiq.com/2010/10/10/questionable-eve-attack-deals-30-billion-isk-in-damage/

also, I checked, and his second omglolwtf priced ship was also ganked, as well as a third that was only t2 fitted. still, the first paladin was like 30 bil isk due to the officer modules and he never cried about it.

Where are they taking the hobbits?

http://www.youtube.com/watch?NR=1&v=VznlDlNPw4Q

Tippia
Sunshine and Lollipops
#78 - 2011-10-23 13:35:16 UTC
Endeavour Starfleet wrote:
What a particular large alliance recently proved is that the current system is not working.
No. What they have proven is that insurance is not a factor if you can get paid in “fun”. They've also shown why suicide ganking is working: because it lets you have even more fun on the market.
Quote:
And is allowing said alliance to operate an operation to rig the market in their favor with very little risk in comparison to the damage they are causing.
So… what damage are they causing?
And how do you define risk here? Why was it “very little risk”?
Quote:
It is time to remove the insurance as a first step.
Why?
What problem does it solve?
RAW23
#79 - 2011-10-23 14:04:23 UTC
Silent Lamb wrote:

suicide ganks are rare. even if insurance is taken out of the game for criminal acts, people will still do it. the only place where suicide ganking doesn't actually have a potential benefit for blowing up the ship is with blowing up mining barges and exhumers, which can be done with 2 to 3 destroyers working together. oh wait, drop the ore.... drop some t2 modules from the tank, drop 1 or 2 strip miners.... oh, hunh, that covers the cost of the destroyers as well as some of the modules to equip those destroyers with...

removing insurance from suicide gankers won't solve your problem of losing your hulks. people will just wise up and use destroyers to do it. I suggest a blaster catalyst or ac thrasher.

The Point: removing the insurance payout won't stop suicide gankers, it will only fuel them to find cheaper more effective ways to do it so they still get their payout. I mean, hell, not everyone does things for a reason. some people just like to watch the world burn.


Correct me if I'm wrong but doesn't this argument indicate that insurance for suicide ganking is not needed? You say in the last paragraph that removing insurance will just lead people to to find cheaper and more effective methods. Isn't that a desirable consequence? Why should player development be handicapped by unnecessary subsidies?

There are two types of EVE player:

those who believe there are two types of EVE player and those who do not.

Jennifer Starling
Imperial Navy Forum Patrol
#80 - 2011-10-23 14:09:24 UTC  |  Edited by: Jennifer Starling
Slade Trillgon wrote:
I will paraphrase a comment by Tippia from the past few days.

Eve's economy is drvien by the destruction of ships and others stuffs, therefore we should double the payout of ships used in ganking TwistedLol

Also, the obligatory. Here we go again.

Slade

And obligatory: make EVE arenas where people lose their ships in equal fights. It will give the economy a tenfold boost if not bigger than suicide ganking insurance.

Kilrayn wrote:
I'd say its rather smart by Concord. They offer insurance for criminals, making they're ship losses to have less of an impact, thus creating more criminal activity and providing more work for themselves. Good business if you ask me Cool

And where does CONCORD get all those millions from? It's extremely unrealistic.

The only thing that will happen when concord kills don't give insurance anymore is that gankers will look for fatter prey that will cover the slightly higher expenses.