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VanceIX said:
Munkeh111 said:

Lifetime insurance is for the base hulls only. If you have a bigger and better ship, you can make more money, so they take the same cut of your money, just from a larger pot

You can decrease it, but you do realise that there is matchmaking? Also, a hornet versus a lone newbie in a Connie would be a decent match up. If the Connie had actual gunners and a manned P52, then you'd need backup, but the matchmaking would stop that from happening

You can also avoid PvP entirely if you stay in well policed space

Hulls are what cost the most anyway. Also, matchups or not, the high-end game with the bigger ships and more firepower is gonna be dominated by those who bought their way up. No way around it. If you wanna get a good position in a guild or faction, it probably won't come from your hard work. You'll have to pay cash to get the upper level ships. And if you don't pay cash, you'll be limited to Squadron 42 and hoping the matchmaking won't screw you over, at least until you've spent the exorbiant amount of time it'll take to get out of the starter ships. 

What's the high-end game? Star Citizen is not about moving from a big ship to large ship, it's about being in a living breathing universe

If you want to get a good position in a guild or faction, you need to be skilled. Yes a Freelancer or MISC Hull-C is going to be the best thing for cargo hauling, but they'll be slower than a smaller ship. For exploration, there are loads of different ships you can use, all with their own strengths

But the key is balancing it so it doesn't screw you over. You've got to give them a chance to do that. You say that a Connie will beat a Hornet, but what about a Connie vs 4 hornets since that is actually fair in terms of manpower?

It's not as simple as being able to "win" and it's not as simple as 1 ship is better than another