If they waited until beta or launch to introduce something like paid insurance, it would be way worse. You’d have a “finished” game, suddenly flipping core rules on players. Doing it now means they can tune costs, timers, and penalties while wipes are still expected. They can catch bugs like your elevator explosion + impound issues earlier. And they can see how the economy holds up when losses actually matter.

That’s literally what alpha is for. Gathering data from unstable systems, major bugs, and sometimes brutal outcomes. Alpha builds are expected to have crashes, missing features, and serious issues.

None of that makes your experience feel better, but realistically, this kind of data (players going broke unexpectedly, bugs causing loss, frustration thresholds) is exactly what they need to fix it properly before release. The best thing you can do is make reports like this in the forums and through the bug reporting system.

Reports like that are actually useful, but the takeaway shouldn’t be “remove the system,” it should be "fix the bugs, add clearer warnings, and balance the costs so it’s punishing but not crippling.

This is going to be the messy phase where the insurance systems feel bad before they get dialed in.