A basic change to the insurance system should be to make the $ amount of insurance based on the amount and intensity of the mods/properties on an item. And make it fairly susbstantial for real effect(maybe in Felucca only?) For example; a weapon with 5 near max properties should be 50k to insure each time. Obviously the numbers would need tweaking but the idea could be sound. Most Felucca players are wealthy enough but they still wont wanna be dropping 500k everytime they die. It could possibly even go a long way towards reducing the lather/rinse/repeat effect you get at spawns. This should also help reduce the number of elite items some people carry in their packs all day. Even extremely effective add-ons such as bolas and apples could be beefed up. ???