EVE General Discussion

Eureka!!!

How about we make exhumer insurance actually pay what the exhumer cost and make the gankers insurance actually pay what the ganker lost too.

Artificial mineral pricing fixed. Check.
Ganker happy. Check.
Miner happy. Check.
Ganker still hero. Check.
Miner still stupid. Check.
Goons profit from increased T2 sales. Check.
Miners profit from increased mineral sales. Check.
CCP receive subs from miners, gankers and bots. Check.

OK. We're done here...

TLDR just for you. The call for proper mining insurance was made a long time ago.

That would have solved the gankers and miners problems without any buffs/nerfs to either party. The miner would never have cared much about ganks if he didn't lose 200m everytime it happened. The ganker never lost more than a 10th of that.

When risk/reward is taken into account, the inequity of the losses was the biggest stimulator of angst.

Mining barges don't have that problem. Only the exhumers do. I'll leave you to figure out why that is.

If you want insurance, fly a barge.

Yeah, making exhumer insurance payouts comparable to ship cost is a sure fire way to kill off suicide ganking almost completely.

That face matches that post perfectly.

Yet another clueless poster who thinks game balance should have anything to do with virtues and ideals of how the game should be played

Not even remotely the same thing. The insurance companies in real life doens't spawn money out of thin air, eve's insurance does.


Yeah, see, the problem, yet again, is that what you understand, and what reality is, doesn't match up. There's no link between station fees etc, and the premiums are (in anything T1 and dockable) a miniscule part of the equation.

Thanks for not being a smartass here (this time anyway)!

The situation is as Zim describes. Those ISK sinks do not balance with the ISK faucets, no. Not even remotely close.

Eve is a virtual simulation of RL economics. The gross theories still work here, but the problem is there isn't a "supply" of Insurance Payouts. It's infinite, which breaks the equation Value = Demand / Supply.

Eventually insurance value= nothing. So we don't see insurance payout for "bling."

Insurance in eve don't mimic anything resembling RL insurance.

"oh certainly sir, you'll want platinum insurance on your warship. And you'll be flying it in a fleet fight tomorrow, you say? Certainly no problem, that'll be some money."
the day after:
"oh dear, sir, your ship was blown up, here's a huge wad of money. Oh, what's that sir? you have another warship you'd like to insure for reshipping? Why certainly sir, but do try to bring it back alive this time."
15 minutes later:
"oh dear, sir, your ship was blown up, here's a huge wad of money. Oh, what's that sir? you have another warship you'd like to insure for reshipping? Why certainly sir, but do try to bring it back alive this time."
5 minutes later:
"oh dear, sir, your ship was blown up, here's a huge wad of money. Oh, what's that sir? you have another warship you'd like to insure for reshipping? Why certainly sir, but do try to bring it back alive this time."

Compare that to real life insurance:
"Certainly sir, we can definitely insure that car for a reasonable fee of 2x the car's actual value, since it's most often driven by people who crash it."
the day after:
"What, you drove the car into a warzone, and it was blown up? you're not getting any money. Oh, what's that, you'd like to insure another car to drive the exact same route? ARE YOU ******* SHITTING ME?!? GET OUT OF MY OFFICE! OUT! OUT!"

Meaning if we were to look at mimicing "RL insurance", we might as well just yank it out in its entirety, since it'd never be paying out anything to anyone.

Except to those who actively mitigate their risks.

Seriously. So we can't have a system where players are responsible for their losses? Constant losses doesn't stop you flying and dying, just means insurance would remain as irrelevant as it is now.

If you repeatedly fly and die in shiney you don't get paid out? So?

Remember, if someone died, someone didn't. His rating stays high and he pays less premiums. A reward for excellence and risk mitigation.

The moron with cruiser skills trying to fly a marauder pays the price.
The miner who doesn't tank or flies afk all day etc. pays the price.
The freighter pilot who AFK's with 3b of BPO's pays the price.

The incentive to fly better is in cheaper premiums and better payouts if things do go bad. If you repeatedly do stupid things, well, you pay the price.

And really, having an insurance system that might ultimately pay next to nothing - changes nothing to what we already have.

The sky is blue Zim.