I see your point, however, what do you mean ruining the PvP experience? it would not drive the price down because it lessening the demand for it, it is just refunding the money, the money they paid to the insurance "givers" would be part of that of course, it may cause the value of the GP to decrease because if you keep losing it more and more gp is being pumped into however , the policies rate would skyrocket which would increase the value of a GP, and it would be very expensive as it is anyway, it would just be an option for those wanting to Pvp however to scared to lose their prized possession and also it doesn't have to be about pking, it could be fighting a boss on a level or a boss anywhere not necessarily on a pvp world I stated PvP/BH because this 'policy' who be mainly attractive to the people who roam those worlds. Yes, this could come in handy when you go boss fighting or such, but again, it all comes down to player responsibility. If they are willing to risk such valuables, then it can only be their fault. Such a policy would suspend the idea of user responsibility, and that in turn, could effect the whole game.