Make virtue dungeons, or other areas that you want to re-vamp, locations where your insurance of items becomes nul and void. In return for these risks, a new reward schedule with various items can be introduced. Point system like in doom. Deeper levels, or more difficult monsters give you more points. This would work on both facets. It may introduce new areas to PvP in Fel. (no insurance, steep risks of loosing stuff, but maybe also cool rewards like 3.0 SoT or Orny's or something) Gives players a reason to reexplore those areas. Counter acts this on going cycle that newer content always has to be (a) more difficult (monster), requiring more comprehensive items, and so on. This way you make existing area's more dangerous, but also more rewarding. Just post a sign at the entrance stating that from here on Lord British Insurance, Inc. considers your policy voided. Should be a cheap way for the Devs to reintroduce some of the old stuff and classic feeling, without upsetting any of the game mechanics.