One side effect of auto-renewable insurance is that you can die, res and be right back at it over and over again. Death, for many is nothing more than an inconvenience rather than a real risk I think with the imbuing skill (and it's first impression of awesomeness) we should tackle auto-renew item insurance. Devs, because I know people cannot stand going all the way with it. How about in every town, and in their ownhomes they need to go there to renew their item insurance. Items could be insured for up to 3 deaths. You pay for all 3 at one time. You can replenish at any time, from 0, 1 or even 2 renews, at the place designated in each town. It gives people another hub in which to interact and it makes your deaths, mean something... especially in PvP. You die 3 times on the battle field and you start risking losing everything unless you take a break and replenish. This is what statloss, had always been intended to be. I think that would be one GREAT thing about factions. Making blessed items. And even consider "faction dying" an item to "bless" it? Faction fights should be everywhere. If you want to take advantage of the rewards the system offers, you should subject yourselves to the risks. There should be reasons to PvP and they should enhance your game-play, but none of them should take away from your choice not to. Make Death mean something! 20-minute statloss, is no joke. There should be benefits and drawbacks to everything. Risk versus Reward.