Dismiss me as stupid or whatever, but does the following have any merit? Leave insurance just the way it is re. cost and recovery of items. However every time you die and insurance pays off, you lose some percent, say 5% of your resists and possibly 5% of your weapon's abilities. This is a stackable loss. The second time you are killed, the percentage would be 10 and so on. Then in a central location, perhaps in Brittan there would be a special shop where you can go at any time to recoup all the total percentage loss you are carrying with a lump sum payment. This would attach a penalty to using insurance that is progressive, finally requiring the benefactor to leave the scene of battle to re-up.