I don't care how you spend your money, but you were the one arguing that the game is only 35 dollars and that almost all your ships were in game and flyable. So it certainly seems like you have spent more than that. So it certainly seems this game is much more expensive to the people that are still most interested in it.
There is no need to do so. "Currently, on the Alpha and Public Test Universe (PTU), all ships and vehicles are given a basic insurance plan that does not expire to facilitate testing. At this time, it requires no upkeep or fee for players to acquire basic ship loss coverage."