I get insurance. You apply it. You die. You re-equip immediatley. You have to keep gold in your bank or you don't re-insure. Simple easy... yet silly with respect to game. Everything is might and magic. Where does insurance really come in? It doesn't - it was a bad solution to a problem that didn't really exist. It was designed so people wouldn't lose their stuff. (I thought trammel solved that) It candied down the game. I'm fine with not losing your stuff so send it to their bank box. But letting it sit on a corpse to die, and re-equip and fight again in 30 seconds is a mistake. What has it done. Die. Click. Fight. No consequence. No risk. No penalty to dieing. NO IM NOT SAYING lose all your crap. Spare me the "well dont insure your stuff then if you want risk"... garbage. Create a Charm blessing system. (BLESS DEEDS are forever) A blessing/charm system made of magic. Perhaps an alchemists potion. Ingredients. Monster drops. Imbuing charges. Something creative. The items you wish to 'insurance' get enchanted by a limited Charm Blessing. The Charm is applied to the items. Their can be a gold cost too. Why not make gold an ingredient. 5000 coins smelted and mixed with the alchemist potion based on value of insured/charmed item. Just use the old insurance table. I don't care about the history or design of charming. But when you die, the Charmed items and transported back to your bank box, like the magic in a bag of sending. You have to return to the bank and re-equip. Your Charm Spell or Charm Blessing magically sends you items to a safe location. Sorry but you died, you got to keep your stuff cause you charmed it, now you have to spend time going to get it because you died. Don't die and you won't be inconvienced. My point is to involve other players in the creation of the Charming potion. Insurance involves nothing and noone. My point is to have a consequence to dieing. You have to go get your crap. My point is to not make it an endless process. Maybe each Charming has 10 uses then you have to reapply the spell or potion or whatever. I know... we all want ease and simplicity. But I figure I can take the heat of being called stupid or this is stupid and told to run around with insurance off. Or if you don't like the idea. Devs, how about just having the insured stuff go to the bank box in a nice pouch. Break the die, click, fight non-consequence. Staying alive should have its value in events and game play. Death is a penalty. Knowing how to live and stay alive is the reward to riches in the realm. Please let us die with dignity.