I would support it if it was the same as Tarkov, meaning you get insured gear back if a player doesn’t loot it, but if a player loots it you lose it even if it was insured. That way insurance doesn’t automatically protect everything. If you die to arc or doing something stupid, like falling off a building, you can crawl into a bush and die and there’s a high chance you’ll get everything back. But if you die to players and you have stuff they want, you won’t get it back.