I don't mind opinions, but please get facts straight about star citizen:
Taken from their FAQ:
What happens if I don’t have insurance?
Your character will have to buy a new ship with any credits he has, or if he doesn’t have enough credits fly missions for a third party (both NPC and player) until he’s earned enough to buy his own ship again.
Is Star Citizen “free to play”? A subscription game?To play Star Citizen you need only to buy the initial game. There will never be a monthly charge for usage. Some in-game items may be available as microtransactions, but we will NEVER sell anything that can’t be acquired through honest (and fun!) gameplay.
