Imagine a scenario where someone spends a lot of cash on a ship (let's say it's a Hammerhead, so 650 dollars) without LTI (LifeTimeInsurance), and 3 years from now after the insurance expires, the ship blows up. How much will it cost the owner to eventually get the ship back, in man-hours played? What follows is my explanation of why the cost of losing an uninsured cash-bought ship should be given to scale; the Hammerhead is just a convenient example: Considering the massive in-game cost of a Hammerhead, even paying 1% of the in-game retail price of the ship to get it back could take weeks of grinding time that backer doesn't have (which may explain why they were willing to pay cash for it in the first place). Waiting a week or two for the ship, while retaining the ability to work and play with your kids, is perfectly acceptable in my book. I've seen a number of cop-out answers to this question from the community; they're mostly variations on the themes "you deserve to lose your ship cuz you were stoopid", "CIG said LTI isn't a big deal", "large ships should only be used by orgs", "6 month insurance will last for years if you don't play very often" and my personal favourite "you pledged to fund the game and the ship was just a gift". While all of these answers have a foot in the grave of truth, they feel like attempts at dodging the real question, which I think looks like this: "How can you threaten to substantially restrict backer access to their ships when the game owes it's very existence to the large sums of cash pledged to obtain those ships?" When CIG says LTI isn't important, do they mean "LTI isn't important as long as you have a huge organization to pay the huge premiums on your huge ship, and don't get blown up after your insurance lapses or it'll cost you a man-month of grinding before you can ever hope to get it back, because we gifted you the ship under the assumption that you wouldn't ever try to maintain it by yourself?" That answer sounds like a 50% downturn in the pledge campaign, because sci-fi gamers with money are often shy, with steady jobs and/or a family. A more satisfying answer would be something like "LTI isn't important, because even if you let your insurance lapse by refusing to pay the org-sized ship insurance premiums, the worst thing that can happen is you'll have to wait twice as long to get back the base Hammerhead you pledged for, and it'll still cost you nothing." Thanks! =]