I agree . I think the money is perfectly fine the way it is . Insurance doesn ' t change based on blame . I think the bigger issue is that the local security forces are a joke and players with big bounties are not hunted down in any real way . If breaking major laws like murder were punished with fleets of security vessels or constant interdictions by security , people would only attack if it was worth it . The security response should scale with severity of crime and value of bounty , but it should also be dependent on the system . Controlled systems should have high security , while anarchy systems have none . You are on your own in anarchy systems , but in highly secured systems you have some piece of mind knowing that people will face irritating consequences to attack you . Anarchy systems could then pay more for goods and missions because its more dangerous space , which would prevent anarchy systems from being full of just pirates . Maybe even allow illegal ship modifications in these systems for more incentive to go there .