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I’ve seen this issue on my friends PC where he was using a hdd and had 16gb of ram but have never experienced it myself.
For comparison I ran the game fine for years on an 8700k 32gb ram with a 1080ti and an ssd.
Im surprised by some of the negativity here too… I have genuinely played hundreds of hours and yes, experienced bugs, but also had some extremely memorable experiences and lots of fun.
I’m confused how you think the insurance will work, as it seems you believe the 6 months in your example couldn’t be extended or renewed?
I doubt players following the ToS will ever lose ships bought with real money permanently as it would generate extremely negative press.
Though EVE online allows essentially the same thing and you can absolutely lose those ships and equipment.