Every time Vryx takes out the red dragon for an orb, his zombies grab everything else so that I can sell it if I get the opportunity. There are times I've left twelve full sets of red dragon stuff in a room from quitting out.
Life insurance
Nobody is saying that the EQ is not circulating. In fact, it was stated several times that rare circulation is NOT the problem with life insurance.
The problem is that you have people who are:
-
Highly effective in PK as is, or they wouldn't get cabaled
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Now have been made MORE effective with cabal skills
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Have nothing to lose except being closer to con death by dying
Sorry Aulian, but I still think it is garbage when the underdog dukes it out with the top dog, works his butt off while at a significant disadvantage, and if he IS successful, he gets nothing for it. Meanwhile, if he fails, he loses EVERYTHING. How is that remotely fair?
Yes, I have had chars that were in cabals. Yes, I know that you seem to ALWAYS be fighting, and you seem to ALWAYS have cabal enemies on. And yes, I know life insurance is expensive. And yes, I know that to be left naked is significantly more devastating to a cabaled char than to a non-cabaled, because you have much less time to re-equip and everyone and their mother is hunting you while you do it. But guess what? You signed up for that life. You knew what you were getting into. Yes, you get better skillsets, as you should. But the tradeoff is that you are in the midst of the fray, and the risk for death is greater. Currently, that's not the case.
Now, I know I can make a good 200-400k a world shift if I want to, but I didn't know you could easily acquire 750k+. In that case, maybe th egold idea wouldn't work.
To be honest, I like the idea MUCH better of replacing LI with a basic FREE cabal set that makes you PK worthy, maybe just pick it up from a vendor in the cabal at no cost. It's not as good as an uber rare set, but its a HELL of a lot better than a basic 1st or 2nd tier re-equipping set. Then, if you die, the underdog gets the spoils, and you are still PK worthy. As you go on, you can replace those items with better rares. This, imo, is win-win for everyone. It also makes much better RP sense that a cabal would want to outfit their warriors, than a cabal's mystic insurance policy that magically transports all your gear and places on a new body, should the Gods decide to give you another chance at life.
My main concern with LI is that the underdog takes all the risk and all the disadvantages, with no hope of reward if he is successful. If he has to fight at a disadvantage and manages to pull it off, he should be able to get the reward for his work. Not look down and go.. "What the...?!? Bloody hell, I went through all that for NOTHING?!?"
I strongly agree with Kinicky.
As you are so fond of saying, Aulian, if you can't hack it, don't join it.
A good fix would be to give basic cabal eq (at a lower cp cost...as was in 1.0) when you die. If you don't want to pay the CPs for the basic gear, you can toggle it with the autoequip command.
I believe the gap between the uncaballed and caballed is far too great. We should be devising systems that help balance the PK, not those that simply promote elitism.
Life insurance is not needed for players of 'cabal' calibur. Especially with certain subcabal abuse of the 'expensive' perk...
..
Oh, so their is no point in trying to become an elite?
Edit: I guess what I mean to say is that why do we strive to get into cabals if not to prove that we are of the elite/veteran?
In other words, we should not be making a system that caters to make the strong players stronger to the disadvantage of other players. A system that favors the 'elite' and punishes moderates.
You are acting like the 'moderates', as you call them, are not allowed into cabals.
Although I am not specifically against removing life insurance, I am a bit disappointed with the arguments being put forward in support of this idea. Particularly the claims that if you kill someone and do not get to loot, you have killed them for nothing and have gotten nothing out of it. I am just as annoyed about the fact that I have taken a death as I am about the fact that I lost my gear. People should be avoiding death because their character doesn't want to die, rather than 'OMG I am about to lose my ub3r l33t suit'. I am happy when I kill a powerhouse player, even if I don't get their equipment.
That being said, I do think life-insurance could be reviewed. I like the above ideas of having some free cabal gear that would allow you to get on your feet, maybe recover your standard, and put you on a decent platform from which you could gather better gear.
Out of curiosity... if you've got life insurance, die, and that death makes you condeath... what happens to your eq?
When you pay for life insurance on your last life, you have to write a will out. When you die, provided you still have life insurance, your items are automatically given to whoever you wish them to go to, as per your will.
When you pay for life insurance on your last life' date=' you have to write a will out. When you die, provided you still have life insurance, your items are automatically given to whoever you wish them to go to, as per your will.[/quote']
That is sick,I like it
I forgot to put a smiley on the end, I was just joking. 
it's sick anyway ;P
I really like the idea of having a cabal set of eq at little or no cost instead of life insurance. It just makes perfect sense. All the arguments that are PRO LI would be satisfied by this new change and all the complaints about LI would end with this change.
Well, I figured they'd just disappear as if sacced, or they'd be available for looting anyways... or it'd crash the mud.
OH, Make so that it crashes, then we can go outside and I heard there are peoples outside! :eek:
OH' date=' Make so that it crashes, then we can go outside and I heard there are peoples outside! :eek:[/quote']
You heard wrong. Just stay indoors.
Yes, that is what I do! We live to serve! Work work work... 
I strongly agree with Kinicky.
As you are so fond of saying, Aulian, if you can't hack it, don't join it.
A good fix would be to give basic cabal eq (at a lower cp cost...as was in 1.0) when you die. If you don't want to pay the CPs for the basic gear, you can toggle it with the autoequip command.
I believe the gap between the uncaballed and caballed is far too great. We should be devising systems that help balance the PK, not those that simply promote elitism.
Life insurance is not needed for players of 'cabal' calibur. Especially with certain subcabal abuse of the 'expensive' perk...
Chuckle This made me laugh to myself but you know you are right. Maybe my current attitude is "suck it up princess" but... Its maybe a relfection on alot of recent posts about this and this not being fair or under powered or over powered or what ever.
It would not be a lie to also say that a few of us who have been here longer have come through MUCH harsher times.. Like in 1.0 when it was perfectly alright to station people at pits waiting for people to unghost just so you can kill them again and that sort of thing.
In my defence however, whilst I have this "suck it up princess" attitude I do have to admit I go out of my way to help the newer people of the lands. Rather then just kill them I can actually say I try and help them, and answer questions and give suggestions.
You are acting like the 'moderates'' date=' as you call them, are not allowed into cabals.[/quote']
Also I suppose its safe to say that Watcher allows or used to anyway alot of newer people to join, not being heavy on PK finesse like Nexus. There are no bars to a cabal, if you show dedication and maybe a little bit of PK (not even winning just the will to fight.) then anyone can join. As is the same for most cabals. Hell there is nothing stopping any character from doing ANYTHING in FL.
As already talked about so often there is NOTHING that cannot be done through RP, dedication and a couple of good apps. NOTHING. However that being said everything has its price
Cabals are open to one and all. All it takes is time and improvement.
Out of curiosity... if you've got life insurance' date=' die, and that death makes you condeath... what happens to your eq?[/quote']
Ask Corinkorth, that happened to him vs Tarandil - got my last death with LI..
To sum up, everything I want to say is expressed in this video: Its short (only 30seconds) so PLEASE do watch it and we will understand each other 100%.
:D
This was logically portrayed to me by one of my associates. Everyone mull it over and give it some thought.
** STEP ONE: It costs **x cps to use LI
xcps initial - even if you kill the person, die or a draw, it still costs you that much.
Then another xcps on death.
xcps Total. OK?
STEP TWO: CABAL GAIN
Assuming your Cabal is only getting 1 cp every 2 ticks. - Which is standard.
It will take x ticks as a base to get all x cps back.
Now that means NO using any of those cabal skills, no OTHER insurance or anything else that uses cps or it will be more then x ticks to get x cps back.
So no skills, armies, raids, other life insurance, xxx-ing, buying cabal items. ANYTHING.
x ticks = roughly x IRL HOURS.
Are you going to tell me where a Cabaled character who wants to CONTINUALLY USE LI is going to find x IRL hours without an enemy appearing?
Not possible.
So what we are saying in effect is that Life insurance. which lasts** **x ticks is not expensive enough because you only have to wait x ticks to make it back?
x out of x is a x% return. Thats nothing.
LAST POINT
It will take you x hours to put together the eq sets you are likely to be saving. Actually probably LESS. So in EFFECT by using LIFE INSURANCE you are wasting time rather then gaining it.
Really. Even I am suprised at the** COST **of LI now that its been broken down.
Careful with what you're giving away - Roykagh
Deeper Analysis then:
The average base from quests for CPs is about x.
All good and fine. Thats a given TO EVERYONE.
Raids:
The highest costing raid is xcps.
Raids have been changed so that without an enemy on, you will be lucky to make that back buts lets say for coding sake you make anywhere between **x to x **cps back total. A profit of xcps MAX.
Raids take x DAYS to do again, once they are completed ( average raids lasts just about 24 hours sometimes less.)
Thats x ticks of no CPS gainage besides your inflow from cabal thingies.
Problems with Raids: All it takes is two people, with common sense and a little ability to stop a raid nearly completely. I know this because Corinkorth used to do it alone. And I've seen pre pinns in the 30's, just a group of 3 pretty much kill a raid.
So that means.
You're out x cps, you cant raid again for x days and your gain remains unchanged. Thats really contributing to the xcps.
Armies:
You figure if you are a Cabal that uses armies it takes about x to x armies to kill a bastion and that's assuming you have a cabal skill.
SOME SPECIFIC ARMY STUFF
So all the cps you spent could be completely negated all because someone in your Cabal logs on and ends up being x0ed every time someone logs on.
**Not to mention paying for armies also means you are wasting your gain. So you arent making back that **x you need for your next life insurance.
And if you own your enemies standard the chances of you gaining back land through influence is a lot higher.
So though you gain a bastion in x armies with their standard you're losing the chance of regaining your areas back with the x.
**When taking an area often takes more than an hour to do. And if not alone then all **x happens. Diminishing that return on making CPs
Ofcourse this is assuming you have 0 enemies online. As soon as there are and you want to defend/attack and want to use life insurance, there goes another x cps
<3 A.