Is it time to remove insurance cost?

Things are a lot tougher now. People will be dying more often, and they'll be making less money.

Insurance costs vs. income seemed fairly balanced at E:D's release, but I really question whether it's a viable formula at this point.

I believe it's time to replace the rebuy cost with a different type of penalty.

I'll throw a suggestion out there: Let's start penalizing trade/combat/exploration ranks instead. Get your ass handed to you enough and your Elite combat rating should suffer. Get killed on a smuggling mission and your trade rank should suffer.

What about a temporary penalty to sale prices or to the quality of offered missions?

What about losing Federation/Empire status?