Availability of Rares -
This is a simple fact of life - if you are not in a cabal you NEVER EVER have to fight someone EVER. You can just avoid PK 100% of the time. By saying that you never get an opportunity to equip because the cabal'd members of the pbase have all the rares is seriously, a slight on all our intelligence.
A character that has 0 responsibility can get equipment 100% easier then a cabal'd victim. THINGS ARE RARE. They are AS RARE for the cabal'd member of the pbase as they are for the non-cabal'd. Cabal'd members dont get some special log on period where they can snap up all the rares before the non-cabaled members. Give me a break.
This is a simple case (for most cases) of I want this and this and I want it NOW. Like that irritating five year old child nobody likes to have around. I have a supreme rare set atm. Know how long it took me to put it together? A MONTH. I play every day. That is a long time. Its not even all the things I want. I can think of 5 things I still need. However I know that these things are rare/unique so they are HARD TO COME BY.
A good example of how easy non-caballed characters have it is Evashen or Damia (no slight on the character). These two often had awesome sets of rares. Very very GOOD sets of rares and they kept them 100% of their play time. Why? Simply because they didnt have to fight anyone they didnt want to. They could flee when they wanted to. They could hide and never face a certain so and so again. Ever.
Keeping of rares -
Interesting idea. However I still dont see how it stops the problem on the upper scale end. Most people who dominate will not loot mithril unless the person is a complete pain in the ***.
I can see it being a bonus though to people who keep getting attacked whilst trying to re-equip. That is a pain in the ***.
Life insurance:
In a cabal you have no option. You fight. You cannot run, you cannot quit (while saving face) without putting in some sort of effort. Those who choose a cabal know very well that they are on demand 100% of the time. In the middle of desolation and get your standard attacked/taken? Better recall and get taht thing back. Its your DUTY.
This is where non cabal'd people have the advantage. They are not puppets to SOMEONE ELSES schedule. They can come and go as they please and invest as much time as they like to rare hunting.
Whilst others in a cabal only get small amounts of time to go out for rares. More often then not you can play 10 hours and have half an hour without an enemy on.
Life insurance is there to protect the cabal players, the ones who have to fight, who have to stand there against any odds, against loosing their equipment because in reality they only have 10% of the time NON-CABALED players do for eq hunting.
Last point -
Whilst what you are able to grab straight away might not give you the 50 50 hit dam you want straight away, there is actually a HUGE amount of equipment available in this game. I guarentee you wearing a centurians haubrak and a tit fullplate leaves a TINY difference between the two. Or a set of mithril boots and a set if light steel spiked boots. But there is enough equipment out there to get your purpose done and see your enemy dead.
If they are better at PK then you - it doenst matter what you are wearing, you will die at a point. Probably a lot more then once. If they are evenly matched you can put together a combatable suit in under half an hour. If you are better at PK then them? Grab mithril and kill the one time lucky SOB.