It's sad that the line "That's not how insurance works though," has to be uttered when talking about an online videogame.
The insurance industry is one of the most frustrating, annoying, yet necessary horrible industries we all have to deal with in our normal, shitty lives. I don't really get how replicating this terrible real world experience in a similarly terrible way makes a videogame more fun. It's something I didn't get from the onset of GTA Online.
Well, GTA doesn't really replicate it. It just calls its way of ensuring you get your car back insurance. And charges you for the "service". I think R* hoped people would think that it was to keep people from blowing up cars but:
1. It's GTA. Part of the fun is chaos. You should feel free to have chaos, get your car blown up or some one else's, and not feel like the game is trying to stop that. I shouldn't have a game mechanic that makes me feel resentful of some one just cause they blew up my car and now I gotta pay (money that takes time to grind to get.. and it is made purposely so that making money is a bit grindy and annnoying). It also shouldn't make other people resentful that by playing the game they get punished. Blowing some one's car up while causing chaos is part of the game. Sure, if they keep comiing after you or just repeatedly blowing your shit up just to piss you off, that's griefing. But in this game there is a finer line between that and playing the game as meant cause it's designed for people to be causing chaos. But yes, peopel can grief. And they should be doing something to discourage that which leads to my second point:
2. The game mechanic doesn't work to stop those that are griefing. People who like to grief people by blowing up their cars don't give enough shit to make it stop them. I knew one guy who just kept his bank account empty so he didn't have to care. At most they'll just bitch to R* about why should they have to pay to blow up some one's car. Or worse, use the mechanic to punish people for retaliating on them (I'll use my most expensive car to grief and stay in it and then they'll have to pay a big sum if they want to stop me). Making people pay to blow their car up to stop them is just the cherry on top to those people. Or find creative ways around paying the fee (pick up the car with a cargobob, drop it. Just don't ahve money on you cause you just enjoy causing chaos and then you can laugh when you blow up some one's car and they get charged for it <- yes, it worked that way once. I think it does again. R* changed that one time so no one gets charged if the person who blew up the car has no money but I heard they changed it back to the owner gets charged if hte person who blew up the car doesn't have enough money. Put fuel behind some one's car that backfires and watch the fun).
3. It's more obvious they just want the game to be more expensive in game to play so they can sell more shark cards. It's one of the ways I will point out the game is not balanced well *on purpose* in order to encourage microtransaction purchases. I suppose that's the price I pay to be able to play online for free but that is the price of microtransactions, the game will be made purposely a little unbalanced/badly to make you want to pay to skip the annoying part.